Covering Your Fleet of Trucks

Your business' fleet of trucks was — and continues to be — a big investment, one that must be protected. While federal and state laws dictate that every vehicle on the road must be insured with minimum liability requirements (which vary by state), this coverage only protects others who may suffer injury or property damage when your drivers are at fault.

To protect your own fleet from damages, you may wish to consider additional coverages. Below are some of the most common coverage options that businesses add to their trucking insurance policy.

General Liability: Designed to protect you from liability risks associated with trucks that are not in operation, including loading and unloading.
Primary Liability: Just the opposite, this covers liability risks while driving a truck. This coverage is designed to protect others who share the road from the potentially harmful actions of the insured trucker.
Physical Damage: Provides repair/replacement funds if the insured truck is damaged in a collision or due to severe weather, fire or theft.
Cargo: This coverage protects the cargo carried by your fleet, whether it be lost, damaged, destroyed or stolen.
Warehouse Legal: Similar to the previous point, this coverage protects goods, but while they are being warehoused.
Terminal: Again, this coverage protects cargo, but while it's located at a terminal. Check your policy for time limits per load.
Non-Owned Trailer: Provides protection for trailers that are owned by a third party, but pulled by your fleet.
Non-Trucking Liability: Designed to protect you from liability risks while a trucker is not under dispatch. For instance, when a truck is parked.

To learn more about how trucking insurance can protect your business' fleet, call our agency for personalized assistance and a free quote.

We've got you covered on the open road. Call Heritage Insurance at (306) 693-7640 for more information on Moose Jaw trucking insurance.

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