Trucking is the heart of America’s transportation industry. Professional truck drivers log at least 400 billion miles each year while doing the job. Yet, with so many miles traveled, there are risks. That’s why it’s important to have the right semi truck insurance.
If you own one or more trucks, Girard Insurance Services can make sure that you have the coverage you need at a price you can afford. For nearly 25 years, we’ve been helping trucking company owners and drivers receive the lowest prices for the coverage they need.
What kind of semi-truck insurance do you need?
Depending on what you haul and where you haul it, you’ll need at least some of the following kinds of insurance coverage:
Liability insurance is required for all commercial trucks. This covers property damage and injuries from an accident that you or one of your drivers may cause. The amount of coverage required generally depends on which state you drive in. If you frequently cross state lines you’ll probably need to meet federal requirements, too.
Physical damage insurance is almost always required by a lender if you’ve financed your truck. It’s a good coverage to have, since it provides coverage if your vehicle is damaged in a collision or during fire, natural disaster, vandalism or theft.
Motor truck cargo insurance covers your cargo if it’s damaged or lost while you’re hauling it. There’s a federal minimum required, and shippers generally require more.
Medical payments insurance covers medical costs that may arise if you or another driver or passenger is injured during an accident.
Bobtail insurance covers your rig at times when you’re not towing a trailer, like when you’re between loads.
Equipment insurance coverage is available as an add-on to most physical damage policies. It covers loss or damage to a driver’s property which is kept in the truck itself, plus tarps, chains, electronics and navigation devices, and possibly other expenses, too.
Other kinds of semi truck insurance
Depending on your business, you may also need other kinds of specialized coverage to protect you and your business. There are many options available, so the best approach is to work with a trucking insurance specialist to obtain the lowest price for exactly the coverage you need.
We can help you sort through all the semi truck insurance options, and we can answer all your questions. We offer the industry’s most comprehensive coverage at the best prices. Most importantly, we provide quick, hassle-free claims service.
Call Girard Insurance Services toll free at 844-750-6003