Physical damage truck insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your rig 24/7, whether operating for personal or business use. In addition you can enhance your physical damage protection with a variety of coverage options:
Non-Trucking liability truck insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Non-trucking liability truck insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability truck insurance provided by a trucking company.
Occupational Accident Truck Insurance provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.
Trucker liability insurance provides legal liability protection for bodily injury and property damage caused by an accident involving a truck that is owned and operated by the insured. There is usually a legal requirement for commercial trucking operations to carry this insurance coverage.
Trucker cargo insurance protects cargo being hauled against potential losses from an accident, theft, or other incidents that may cause damage. This differs from commercial truck insurance that covers the truck / trailer for public liability.
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