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​When do I need Commercial Auto Insurance?
You need commercial auto insurance for any vehicle that your company uses for business purposes, any vehicle that has a commercial license plate or tag and any vehicle that is registered as a commercial auto.
You must also get commercial auto coverage if your employees will be driving or using vehicles in the course of doing business, whether making deliveries, driving people to the airport or running errands on behalf of the business.
If you use your vehicle for any of the following functions, you may also be required to get commercial coverage:

• Using the vehicle to carry equipment
• Transporting flammable or hazardous material
• Transporting housekeeping equipment for business use
• Using, carrying or transporting cranes, or a winch or plow
• Hiring your vehicle out to tow other vehicles
• Delivering any goods such as pizza or any form of wholesale or retail products
• Delivering newspapers
• Trucking and freight transportation
• Transporting people as a chauffeur, limousine service or taxi service

Some situations and certain occupations may be covered under standard auto policies, but you should always ask our insurance agency if your vehicle use warrants a commercial policy.

​Unleash the Power of Your Trucking Operation: Unveiling the Must-Have Coverages

Embarking on a thrilling trucking venture? Hold your horses! Before you hit the road, it's crucial to acquaint yourself with the vital coverages your operation demands. Buckle up as we explore the common ones that will keep you secure and worry-free:

Truckers General Liability Coverage: Picture this – you're maneuvering your massive rig on someone else's premises, like loading docks or truck stops. This coverage swoops in to safeguard you from any mishaps that may occur during these delicate operations. Not just that, it also offers a safety net in case of any blunders during load deliveries. Phew!

Primary Liability Coverage: Time to put the spotlight on the damage you might unintentionally inflict upon others while operating your truck. This coverage steps up to the plate, ensuring that when things go awry, you won't be left high and dry. Say goodbye to sleepless nights worrying about the aftermath of any unfortunate incidents.

Physical Damage Coverage: What if disaster strikes and your prized equipment suffers damage due to a nasty accident or – heaven forbid – a sneaky theft? Fear not, my friend! This coverage swoops in to restore or replace your precious cargo, mending the broken pieces and bringing you back on track.

Non-Trucking Liability Coverage: The truck may not be officially under dispatch from your current leasing company, but accidents can still happen. This coverage acts as a guardian angel, shielding you from any damages or injuries inflicted upon others during these non-dispatched moments. Safety first, always!

Motor Truck Cargo Coverage: Guarding your priceless cargo is crucial, but what if it falls victim to a plethora of unexpected risks? From stolen goods to a sudden refrigeration breakdown, or even debris removal – this coverage has got your back, no matter the predicament. Remember, opt for a cargo policy that's Broad Form, not Specified Perils. Trust us, it's a game-changer.

Trailer Interchange: Ever find yourself using a non-owned trailer under a trailer interchange agreement? Fear not, for this coverage is your knight in shining armor. It wraps itself around the borrowed trailer, ensuring that any mishaps or damages that occur won't leave you financially stranded. Borrowed but protected!

Medical Payment: We hope it never comes to this, but accidents happen, dear truckers. So if fate takes an unexpected turn and you or your passengers sustain injuries while driving or riding in the tractor, this coverage springs into action. Rest easy knowing that your medical bills are taken care of. Your well-being matters!

Uninsured/Underinsured Motorists: Imagine this nightmare – someone crashes into you, leaving you in a lurch, only to discover that they don't have the liability coverage to fix the damages. Terrifying, isn't it? But fear not! This coverage serves as your guardian angel, ensuring that you aren't left hanging. You can rely on it to mend whatever needs mending, restoring your peace of mind.

So there you have it, fellow truckers! Arm yourself with these indispensable coverages, and conquer the roads with confidence. Remember, the key to a successful journey lies in being prepared for whatever may come your way. Happy trucking!