Operating flatbed trucks presents unique risks compared to operating other types of trucks. The equipment that flatbeds transport can be worth five- and six-figure sums, and can be oversized and extremely heavy. In order to protect against the risks that flatbeds pose, Massachusetts businesses that operate these trucks generally should have flatbed insurance.
Flatbed insurance is commercial truck insurance that’s tailored for flatbeds. The terms and conditions found within policies are specifically designed to protect against the risks these trucks pose.
Massachusetts state law generally requires that vehicles are insured. Flatbed truck insurance tends to be the most effective way to procure coverage for flatbeds. Most businesses that operate these trucks will find that one of these policies best meets their needs.
For example, businesses such as the following might want one of these policies:
There are still many other businesses that should consider these policies.
Flatbed truck policies normally provide all state-mandated coverages, and many additional options. Additional options can include more coverages, higher limits, and other policy improvements.
Most businesses choose more protection than the state’s minimum mandated coverages. These can include a combination of property and liability protections. The former primarily insure assets (truck and otherwise) against damage, while the latter primarily insure against accidents (vehicle and otherwise).
Some property coverages that businesses might need/want are:
Some liability coverages that businesses may need/want are:
An insurance agent who specializes in flatbed truck policies can help businesses explore all of the coverage options that are available to them.
While flatbed tow trucks would likely find all of the coverages they need within a flatbed truck policy, purchasing this type of policy would probably be overkill. These policies are mainly intended for large flatbeds that carry heavy loads. A tow truck policy tends to be a much better option for flatbed tow trucks.
For help insuring flatbeds that are in Massachusetts, contact the independent insurance agents at Roger Keith & Sons Insurance. Our agents are well-versed in the many different types of commercial truck insurance, including flatbed insurance. We have the expertise necessary to make sure your flatbeds are well protected.