Two Questions to Ask When Picking a Liability Program

trucking liability insurance program

Whether it’s a collision with another vehicle, a building or even a person, a trucking liability insurance program makes sure your business handles the situation in the most responsible way possible. Programs can offer wide or limited coverage and include their own flavor of highlights. When exploring the options, ask yourself two questions.

What Does the Program Cover?

The cost of each trucking liability insurance program covers a specific list of coverage options:

  • Towing: The cost of removing vehicles from the site of collision
  • Trailer interchange: The cost of damage towards a trailer connected to a vehicle
  • Physical damage: The cost of damage towards the property harmed
  • Auto liability: The cost of damage towards a damaged vehicle and bodily injuries

What Classes are Eligible?

Each program is designed for a specific clientele which may place limits on who can/cannot purchase the program.

  • Location specific: The program may only be viable in a certain state or region of the country
  • Unit specific: The program may only be available for units such as produce or container haulers

A trucking liability insurance program is required by the Federal Motor Carrier Safety Administration (FMCSA). Make sure you pick the program that best fits the needs of your business.

Insurance Risk Advisors