Owner Operator in Fort Myers, Miami and Surrounding Areas
Owner Operator Quote Form
Looking for coverage? Click the following link to submit a quote for quick, accurate and affordable rates.
Owner-Operator Quote Request
Florida Trucking Liability Insurance & Owner Operator Information
Commercial trucking involves multiple levels of customer service. Not only do you have to deliver items to a recipient, but you also must do so according to the terms of the shipper. Plus, once you start driving, you must look out for the safety of other drivers around you. Each of these are liabilities, and if you ever cause a problem for others while operating, then you might have to pay for their losses.
That’s why most commercial truckers must carry several forms of liability insurance, and sometimes it isn’t obvious the coverage you need. People Trucking Insurance will work one-on-on with you to determine the liability insurance portfolio that’s best for your trucking operations.
For more information, call us at (888) 995-8986 or request a quote by choosing from the options below:
Motor Truck General Liability
Get this protection for generally less than a $1000 a year. Truckers General Liability insurance covers accidents in parking lots, rest stops, while loading or unloading and other business activities. It can also cover risks like theft and vandalism. This type of coverage is only available on for-hire trucking operations.
This is a very affordable coverage you can get to give you protection when you are driving your truck without load or for non-business purpose.
Common Trucking Liability Insurance Questions
A liability is something that you are responsible for. Therefore, a trucker’s liabilities might be their responsibility for operating safety and making sure they deliver their cargo on time. Should they fail in this endeavor, then they might owe multiple people money.
When losses arise as a result of a truck wreck or other hazard, then the trucking company might be at fault for the accident. Therefore, to compensate third parties that are affected by your mistakes, you should be able to rely on liability insurance. Proper liability coverage can significantly reduce your trucking company’s out of pocket burden following costly mistakes that are your responsibility to repay.
You will make a liability insurance claim when it is determined that a trucking-related accident is your fault. However, the policy you will use to make this claim can vary depending on the circumstances.
That’s why most truckers need several types of trucking insurance, including:
- Primary Trucking Liability Insurance: This coverage applies when you operate your truck, and it pays for third-party injuries or property damage arising from the trucker’s at-fault accidents.
- Trucking General Liability Insurance: This coverage applies to third-party bodily injuries or property damage that occur when you park your truck and are in the process of loading, unloading or performing other business with it.
- Environmental Liability Coverage: Truckers who carry hazardous materials will need this coverage to pay for the costs of cleaning up damage caused by spills resulting from wrecks.
- Motor Truck Cargo Insurance: This coverage insures the cargo within your truck. Therefore, should damage occur, then this coverage will pay the owner of the cargo for their losses.
Please note, there are times when you might not officially be on dispatch or on a delivery. Therefore, your liabilities will change. However, your insurance obligations won’t. Beyond primary trucking coverage, you will likely need a few additional types of operational coverage.
- Non-Trucking Liability Insurance: You can extend your liability coverage to times when you drive your truck for personal or other non-business purposes.
- Unladen Liability Insurance: This coverage can offer liability insurance when you complete a job and proceed to drive back from a dispatch either without a trailer (bobtailing) or with an empty trailer (deadheading). It will apply regardless of whether a trucker is on dispatch or not.
The interstate trucking industry is extremely tightly regulated. Therefore, most truckers must carry a minimum liability coverage of at least $750,000 as required by the Federal Motor Carrier Safety Administration (FMCSA).
Depending on your specific operations, you might face higher liability coverage requirements, and you should always carry more coverage than required by law. The more protection you have, the better your ability will be to recover from the costly ramifications of at-fault accidents.