Commercial Trucking Insurance from Massachusetts Specialists

Roger Keith & Sons

What is Commercial Trucking Insurance?

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.

What Businesses in Massachusetts Should Carry Commercial Truck Insurance?

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:

• Transporters that operate tractor-trailers, flatbeds and/or box trucks
• Movers that operate tractor-trailers and/or box trucks
• Last-mile deliverers that operate box trucks and/or vans
• Waste removal businesses that operate garbage and recycling trucks
• Contractors with box trucks, vans and/or commercial pickups

There are still more policies for other types of trucking businesses.

What Coverages Do Commercial Truck Insurance Policies Come With?

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:

• Liability Coverage, which might protect against claims arising from driver-caused accidents
• Underinsured and Uninsured Motorist Coverage, which might protect against accidents caused by uninsured drivers
• Physical Damage Coverage, which might protect trucks against damage occurring in accidents or other incidents
• Unidentified Trailer Coverage, which might protect non-owned trailers against damage occurring in accidents or other incidents
• Trailer Cargo Coverage, which might protect loads against damage, theft and other loss during transport
• Downtime Coverage, which might protect trucks against damage when they’re not transporting loads
• Non-Trucking Coverage, which might protect trucks against damage when they’re personally used

Truck cargo coverage is also known as motor truck coverage. Unidentified trailer coverage is also interchange coverage.

What Types of Cargo Can Commercial Trucking Policies Cover?

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.

How Much Are Rates for Commercial Trucking Policies?

Commercial trucking policy rates are dependent upon several factors. A few of the details that’ll usually impact premiums are the:

• Number of trucks driven
• Size and types of trucks driven
• Amount and types of cargo transported
• License endorsements and certifications of drivers
• States trucks are driven in
• Areas trucks go in (e.g. construction sites)

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.

How Can Trucking Businesses in Massachusetts Get Good Commercial Trucking Insurance?

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.