Commercial Auto Liability Insurance for Truckers

You hit the road with a heavy load, determined to make it across the country or across town, swiftly and smoothly. But you’re hit with some unexpected surprises instead. According to the U.S. Labor Department’s Bureau of Labor Statistics, trucking transportation occupations accounted for slightly more than a quarter of all work-related fatalities last year, more than any other U.S. job.*

Of course, you enjoy your job and look forward to the open road every day. You never expect anything to happen, but here are a few sobering facts: a total of 3,852 people died in large truck crashes in 2015. 16% of these deaths were truck occupants, 69% were occupants of cars and other passenger vehicles, and 15 percent were pedestrians, bicyclists or motorcyclists.**

While not nearly every truck accident results in a fatality, there can be significant financial ramifications. Case in point: a woman sued a trucking company when a trucker jack-knifed his rig across the highway at night. She sustained head injuries and received a $602,000 settlement. Can you afford damages like these? If you’re like most truck drivers, the answer is a resounding “No!” That’s why you need commercial auto liability insurance for truckers from Truck Insurance Helpers.

Truck Insurance Helpers

As a full-service excess and surplus lines brokerage with more than two decades of experience, Truck Insurance Helpers offers specialty liability insurance that insures trucking risks — even if you’ve been canceled, have a high safer score or any type of claim that makes it difficult for you to find insurance. Truck Insurance Helpers will ensure that all parts of your business are covered; we can cover physical damage, liability, cargo, even on-hook or towing coverage. Truck Insurance Helpers also offer flexible underwriting, risk management expertise, and outstanding claims results for difficult risks, with consideration for good risk management practices.

Before you take to the road, be sure you’re traveling with Evolution Insurance Brokers by your side. Contact us today.

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Any company in the business of delivering goods puts their own equipment on the line with every job. Transporting hazardous and flammable materials such as butane and propane are even riskier in the event of an accident, so keeping your property covered with adequate insurance is even more important. While traditional coverage elements such as general liability and health insurance are critical to keeping your business going in the face of third-party claims and injuries, automobile liability and physical damage coverage help protect your vehicles and equipment.

How does automobile liability coverage protect your business?

Transporting propane can result in property damage and injury if there’s a collision. But automobile liability coverage protects your company’s assets from third-party claims by settling claims and making required payments up to your insurance limits. This liability coverage also protects your business from fines and penalties, as more and more states require businesses to have automobile liability for any business that involves travel or transportation.

What is automobile physical damage insurance?

If you have liability coverage for collisions, that will help protect your business from claims and civil suits from the other party. But automobile physical damage insurance protects your own vehicle after an incident. If there is a collision or fire, or even if your truck is stolen or vandalized, this coverage will help cover the costs of repairs and replacement. If your truck includes specialized equipment for loading and safely transporting butane or propane, adding coverage for those assets is also essential.

Whether you and your employees use your own vehicles for transporting butane and propane or your business has vehicles solely for hauling, adequately covering their risks is an essential part of protecting your business. If you want to make sure your business has all the liability and automobile insurance it needs, talk to an expert at Truck Insurance Helpers

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