Truckers general liability insurance — This insurance protects against errors made in the delivery of the driver’s load as well as the activities of a driver while on another person’s property, like loading docks and truck stops.
- Liability Coverage: The damage you may cause to others while operating your truck
- Physical Damage Coverage: In the case of an accident or theft, physical damage coverage provides coverage to repair or replace damage to your equipment.
- Motor Truck Cargo Coverage: When you secure your cargo, it protects you from the risk that you are hauling.
- Trailer Interchange Coverage – Mostly contract with the freight broker and the insured that will be pulling non-owned trailers, whether dry freight or reefers.
- Non-Owner Trailer Coverage: There is no contract or agreement in place; they are simply demonstrating with a certificate of insurance that they have physical damage coverage in place based on the value of the broker freight request.
- Uninsured/underinsured Motorist: This protects you if a third party hits you and doesn’t have enough liability coverage to be able to pay for repair damages.