Commercial Truck Coverages
Commercial truck liability insurance
Covers your liability risks in the event that you or one of your employed drivers causes and accident. It will include bodily injury liability to cover the costs of injuries and medical expenses for the injured victim along with property damage liability which covers the costs of property damage in an accident. The commercial truck liability insurance will typically cover the costs of legal defense whether or not you company is found at fault in an accident.
Physical damage coverage
Covers the cost of any damage to your vehicle from an accident or other incident. It includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and "other than collision" causes.
Uninsured/Under Insured motorist coverage
Covers the cost of damages and injuries if you or one of your employees is in an accident where another driver is at fault but the other driver does not have coverage to pay for your injuries along with property damage.
Truck Cargo Coverage
Covers damage or theft of items your truck is hauling. Massachusetts and the FMCSA have specific insurance requirements for trucks. Some coverage's are mandatory such as primary liability. Physical damage truck insurance and bobtail coverage are smart to have.