WHICH SERVICE DO YOU NEED?
General liability insurance provides a financial safety net in case you’re sued for an injury that occurred at your business, for damaging a visitor’s property, or causing an advertising injury, such as slander, copyright violation, or libel.
Your general liability insurance will pay for reasonable costs involved in your legal defense. This includes attorney, court, and expert witness fees. It also covers any financial losses you incur while participating in your defense.
General liability insurance also covers judgments and settlements related to your case, as well as the plaintiff’s medical expenses.
As a common or contract carrier, you are responsible for the goods you transport. This exposure is covered by Motor Truck Cargo Insurance.
This coverage protects you if you’re legally liable for damage, destruction, or other loss to a customer’s property while in your possession. The cargo policy can also contain provisions to insure the cargo when it is in your terminal or warehouse
What is Trucking Workers Compensation Coverage?
Trucking Workers Compensation insurance is a mandatory type of insurance for many trucking companies. Workers’ Comp insurance provides coverage for:
Who Needs Trucking Workers Compensation Insurance?
Workers’ Comp insurance is required by law in almost every state. Workers’ comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
In order to operate, all trucking companies must have Auto Liability coverage. This coverage consists of two main components: Bodily Injury and Property Damage.
These coverages will react in the event of an at-fault loss.
Bodily injury will cover medical expenses, hospital bills, rehab/physical therapy, long-term nursing care, lost earnings, funeral expenses, pain and suffering, and other medical related expenses resulting from bodily injury or death of a third party when your equipment was at-fault.
Property damage will cover repair or replacement of damaged property, buildings, signs, etc. up to the policy limits to which you are insured.
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