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What to Look for in Insurance for Commercial Trucking Fleets

What to Look for in Insurance for Commercial Trucking Fleets

If you have your own commercial trucking fleet, then you may already know the importance of fleet insurance. What you may not know, however, is how to find the right carrier for your insurance policy. Here is what you should look.

Coverage Variety

As with any insurance agency, it’s important that an agency has coverages to choose from. You never want to choose a company lacking in coverage. Most truckers have needs beyond the truck itself. For instance, many need business auto, but in addition may need inland marine, general liability or employee benefits. It’s important that you know what you need ahead of time.

Class Protection

There are a number of different types of truckers. Each type of trucker has his or her own risks to carry. What a dump truck driver’s risks do not necessarily line up with what a delivery van may have to deal with. For instance, some of the coverages available address the following classes:

Dump trucks

Stake beds

Delivery vans

Tractor trailers

Movers

Refrigerated trucks

As you can imagine, the policies for each of these is going to vary quite a bit. You need options that suit your needs. When it comes to fleet insurance, you need to look for a carrier that offers coverage variety and class protection. Insurance policies are there to protect your trucking company. It doesn’t make sense to use a carrier that can’t protect you.