Trucking Insurance

Like any business, a trucking business carries inherent risks. Your exposure to risks becomes even higher if your trucking business is based in Colorado, which is ranked as one of the most hazardous states for truck drivers.

Whether your Colorado business owns only a few trucks or a fleet of trucks, trucking insurance is crucial to keep these assets and your employees safe while navigating the roads.

Keep Your Assets and Workers Safe on the Road

Trucking insurance saves you from financial stress when an untoward incident occurs. Failing to obtain insurance cover means you pay for the repair and replacement of damaged property, medical expenses, and even legal fees out of your pocket, which could destroy your financial future.

There is a wide range of insurance policies designed for owners of a trucking business. These policies include:

Physical damage insurance

One of your fleet vehicles can get damaged by harsh weather, animals, or accidents, whether it is driven on the road or parked within your business premises. This policy covers the replacement and repair costs of your damaged truck.

Motor truck cargo insurance

A collision, refrigeration failure, theft, fire, and water can all damage the cargo you are transporting to clients. Motor truck cargo insurance reimburses the loss, but any property except the cargo, your vehicle, and other vehicles are not included in the coverage.

Non-trucking liability insurance

When not hauling cargo (e.g., you’re driving your truck for non-business trips), you still need protection on the road. This coverage provides reimbursement of expenses related to third-party injury or property damage.

Rental reimbursement with downtime coverage

If your truck becomes unavailable, this pays for the cost of renting a vehicle while your truck is being fixed, or it provides you with financial compensation.

Of course, there are other insurance products that will benefit your business such as commercial auto liability insurance, general liability insurance, cyber liability insurance, medical payments to others, and uninsured/underinsured motorist insurance.

Types of Trucks Covered

Your insurance coverage depends on the trucks you use. Insurance providers insure different types of trucks, including:

Auto hauler trailers
Flatbed trailers
Refrigerated trucks
Tow trucks
Front loaders
Dump trucks
Box trucks
Garbage trucks
Car haulers
Tank trucks
Pickup trucks
Semi-trucks
Tractors

Purchase Trucking Insurance Now

We partner with several insurance firms specializing in trucking insurance. To learn more about the policy, don’t hesitate to contact us online or call us at 719-329-4441.