Just like with your personal car, big rigs require liability insurance before hitting the road as well. But, while the required coverage is limited, a variety of insurance options exist to give you the option of more comprehensive coverage for your trucks, drivers and cargo. There’s a lot riding on your fleet of trucks—literally. So why not protect it fully? The following are some of the coverage options you can explore with your independent insurance agent.
- Primary Liability: This coverage is mandatory for every rig, even leased units. It provides protection to third parties who suffer injury or property damage during a collision with the insured truck.
- General Liability: This coverage provides similar protection to that of primary liability, but for accidents that occur while a truck is not being operated. For example, a warehouse worker may trip and get injured while unloading a trailer.
- Cargo: Covers freight that is lost, damaged or destroyed during transit. Depending on your policy, this coverage may have exclusions, such as maximum theft limits.
- Warehouse Legal: Covers warehoused goods from various losses that may occur during storage. Coverage is often dependent on the amount of goods being stored.
- Terminal: Covers cargo located at terminals. Depending on your policy, this coverage may have time limitations, such as 72 hours per load.
- Non-Owned Trailer: Covers trailers that you pull for a third party, including both physical damage and liability coverage.
- Non-Trucking Liability: Covers trucks and third parties while a driver is not under dispatch, such as when a truck is parked.
- Physical Damage: Covers trucks from various damages, such as fire, collision, theft and severe weather damages.
Is your fleet covered? Call Peachstate Insurance at (404) 320-9995 for more information on Atlanta trucking insurance.