What is truck insurance?
Truck insurance is specialised commercial vehicle insurance for semi-trucks, delivery trucks, dump trucks and other commercial trucks. It protects against accidents, theft, cargo damage and liability.
Why do I need truck insurance?
It protects your business and keeps you compliant. It covers accidents, property damage, bodily injury and cargo loss. Without it you may be personally liable for significant expenses and legal consequences.
What types of coverage are available?
Liability, physical damage, cargo, uninsured/underinsured motorist, general liability, workers’ compensation, bobtail and non-trucking liability, among others.
Are there legal requirements?
Yes. The FMCSA and state authorities set minimum liability limits that vary by truck size and the cargo transported. Meeting them avoids penalties and legal consequences.
How are premiums calculated?
Truck type and size, driver record and experience, location and use, cargo type and value, limits and deductibles, safety and anti-theft equipment, and claims history.
Can I cover multiple trucks under one policy?
Yes. Fleet policies cover multiple trucks under one policy, streamlining administration and often saving money.
What should I do after an accident?
Prioritise safety, report the incident to us promptly, document the scene, gather information from involved parties and cooperate with law enforcement. We guide you through the claims process.
Can I customise my coverage?
Absolutely. Work with your agent to tailor limits, add endorsements or adjust deductibles to suit your business.
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