Mayflower Insurance

Commercial Truck Insurance​

We provide truck insurance in Arizona, Indiana, Ohio, Illinois, Michigan, Tennessee, Kentucky, Missouri, New Jersey, South Carolina, North Carolina, Georgia, Alabama, Florida, Pennsylvania, & Texas.

Commercial truck insurance is one of the most extensive and largest selling trucking insurance. It is essential to buy insurance since no one knows when they will have to use it. Moreover, as per the laws of Indiana, all commercial vehicles like trucks, pickup trucks, box trucks, farm trucks, trailer trucks, tow trucks, and many more have to buy liability insurance to keep the trucks running on the roads. Truckers are always vulnerable to roadside accidents, even when the fault is of someone else. The impact of an accident vibrates the whole company, and that is why to cover the expenses if there is an accident, one needs to have insurance.

Now, let us first understand what commercial truck insurance is before we discuss further the benefits of getting insurance for your trucks.

Truck insurance is a very specific kind of insurance needed for trucks alone, and they can be of any type. Some states in the USA have made it mandatory to buy a truck insurance policy before you can run trucks on their roads. This insurance covers the places, situations, and parts of the truck that the basic insurance doesn’t either cover or they charge huge prices for them.

Who Will Need This Truck Insurance?​

  • Truck operators and who own the truck individually
  • Commercial business of transporters
  • Any huge business that owns a fleet of trucks, drivers

If there is one truck or you have a huge fleet of trucks with you, basic commercial insurance is something everyone should have to buy. It is also offered a variety of add-on features that can be bought at the time of the purchase of insurance.

Commercial truck insurance is something mandatory by the law that is FMCSA (Federal Motor Carrier Safety Administration). You can contact us by filling out the form, and we will get in touch with you with further details.

How many Different Types Of Commercial Truck Insurance?​

There are many types of truck insurance. Let us discuss in brief each one of them in the following:

Primary Liability Commercial Trucking Insurance

This is one of the most commonly bought insurance as it covers the people who were in the accident.

General Liability Commercial Trucking Insurance

Here, the company will pay for the damages to other’s property or the person who got hurt. Even the lawsuits, if they are filed, will be covered here.

Physical Damage Commercial Trucking Coverage

It covers the damage which is done to your own truck during the mishappening of the truck and equipment if there is at the time of the accident.

Motor Truck Cargo Trucking Coverage

If the cargo gets damaged, destroyed, lost, or stolen while in transit, this will cover the whole cost.

Bobtail Commercial Trucking Coverage

There might be some moments when you are not using the truck for pulling cargo, and yet you have come to an accident- this will cover that insurance.

Uninsured Motor Commercial Trucking Coverage

Imagine you have just liability insurance and you do not have the funds to pay for the uninsured truck or the people that is when it comes in handy.

What does Commercial Truck Insurance cover?

There are many types of truck insurance. Let us discuss in brief each one of them in the following:
  • Proof of compliance with state and federal regulations: Most states have specific rules requiring trucking companies and owner-operators to carry a certain amount of insurance coverage. To purchase truck insurance, you must prove that your company complies with these regulations.
  • Vehicle registration and inspection: You will need to provide documentation showing that the truck(s) you wish to insure is appropriately registered and has passed any required state inspections.
  • Insurance history and safety record: Insurance companies will often want to see the trucking company’s insurance history and safety record, including any claims or accidents that have occurred in the past.
  • Financial information: Insurance companies may also require financial information to assess the trucking company’s risk and ability to pay for coverage.
  • Business information: Insurance companies will require to have business information such as business type, the number of trucks, the type of cargo that the truck is going to carry, and miles traveled.

In addition, there may be specific requirements that vary depending on the type of insurance being purchased. It’s always advisable to work closely with an insurance agent specializing in trucking insurance; they can help you navigate the process and ensure that you have all of the necessary documentation and information to purchase the right coverage for your needs.

Why Choose Mayflower Insurance for buying your Commercial Truck Insurance?

Injury To An Individual

If there is an injury to a person, the medical bills and all the expenses will be covered by the company. Even if the lawsuits are filed, the company will be taking care of your behalf.

Damage To The Property/ Commodities

If the truck damages the property of someone or the goods which were there in the back of the truck are delivered to the wrong address, it will cover the costs. Sometimes, they replace the whole property with the new one to cover the expenses.

Accident At The Delivery Drop Point

If there is an accident at the delivery point, it may be the fault of the driver, and there are many variables that come to play, but most of the time, general liability will cover the expense.

Faulty Advertising Claims

During the time of the advertisement of your brand, if there is a chance that there is spam or fraud with the advertisement, the company will pay for the court and filing expenses.

Learn More

We at mayflower provide one of the best-customized trucking insurance.  We are an independent insurance agent, and our services bring customers to the front than the insurance company. Our agency is dedicated to helping truck drivers based in over 20 states in the USA.

You can contact us at 877-400-0500 for more information.