Operating in the trucking industry comes with potentially serious risks, from major truck damage to pile-up accidents. Commercial trucking insurance can provide Massachusetts businesses in the industry with solid protection against many covered risks that they're exposed to.
Commercial trucking insurance is a form of specialized commercial vehicle insurance, and it's crafted with the needs of trucking businesses in mind. Compared to most other vehicle insurances, commercial trucking policies tend to come with higher limits and additional coverages.
Most businesses that are in the trucking industry ought to carry commercial truck insurance. Massachusetts state law generally requires minimum coverages and limits, and most businesses choose to get more protection.
When choosing a commercial truck policy, businesses should work with an insurance agent who specializes in this type of insurance. A specialized agent can help businesses find a policy that's tailored for the business' type of trucking. For example, there are policies for:
There are still more policies for other types of trucking businesses.
Commercial truck insurance policies are normally package policies that have multiple coverages. The exact coverages in any given policy can vary, but there are several protections that many policies come with:
Truck cargo coverage is also known as motor truck coverage. Unidentified trailer coverage is also interchange coverage.
A large part of tailoring commercial trucking policies for different types of trucking involves offering various types of cargo coverage. Depending on the terms of a policy's cargo coverage, the coverage may insure a variety of cargo well. Businesses can generally find policies for everything from gravel or garbage to consumer goods or lumber, as well as for many other kinds of loads.
Commercial trucking policy rates are dependent upon several factors. A few of the details that'll usually impact premiums are the:
An independent insurance agent can help trucking businesses find out how much insuring their trucks will be. Independent agents are able to compare policies from multiple insurance companies, which makes comparing coverages and quotes easy.
For help insuring trucks that are registered in Massachusetts, contact the independent insurance agents at Roger Keith & Sons Insurance. Our agents will work with you to identify important coverages, and we'll help you pick deductibles and limits. With our assistance, you can find a commercial trucking insurance policy that will give your trucks good protection.