Trucking Insurance in Morrow, GA

Whether for independent drivers or commercial trucking operations, appropriate insurance coverage is essential to staying on the road and in business. Trucking insurance may help with the costs of accidents, vehicle damage or cargo issues.

How Does Trucking Insurance Work?

As a commercial truck driver, your role involves transporting goods safely and efficiently. But if an accident occurs, whether it’s a collision, cargo damage or liability issue, trucking insurance can help cover the resulting expenses. Coverage may include repairs, legal fees, environmental cleanup and other financial obligations that arise after a covered event.

What Types of Insurance Do Truck Drivers Need?

Most drivers need a combination of coverages to meet legal requirements and business needs. These may include the following:

• Physical damage insurance may help pay for repairs to your truck and trailer after an accident or other covered event.

• Non-owned trailer physical damage coverage may cover a trailer you don’t own. For it to be covered, the trailer should be attached to the cab or tractor during the accident.

• Motor truck cargo insurance may cover the items you’re hauling in case they’re damaged or lost.

• Primary trucking liability insurance may pay for injuries or property damage to others if you’re at fault in a crash while on dispatch.

• Nontrucking liability insurance may extend liability coverage when driving your truck for nonbusiness or personal reasons.

• Trucking general liability coverage may cover third-party property damage or injuries that occur while loading, unloading or when the truck is parked.

• Bobtail liability coverage may apply when driving without a trailer or with an empty one, even if you’re on dispatch.

• Environmental liability coverage may help with cleanup costs and related expenses after a spill or accident. This is often needed if you haul hazardous materials.

Contact Us

The agents at First Priority Insurance Agency can explain available options and help you choose an ideal policy. Contact us today to get started.