What It Covers:

Auto Liability insurance is legally required for all commercial vehicles. It helps cover the costs if your truck is involved in an accident that causes injury or damage to someone else.

• Bodily Injury Liability: Pays for medical bills, legal expenses, and lost wages for individuals injured in an accident you cause.

• Property Damage Liability: Covers repairs or replacement of property (such as vehicles or buildings) damaged in an accident you are responsible for.

Why It’s Important:

Auto Liability insurance protects your business from the financial burden of injury or property damage claims made by others following an accident.

What It Covers:

Physical damage insurance safeguards your truck and equipment from accidents and other damages, whether from collisions or other causes.

• Collision Coverage: Covers damage to your vehicle if you’re in a collision, no matter who’s at fault.

• Comprehensive Coverage: Covers damage from non-collision events, like theft, vandalism, or natural disasters (e.g., fire, hail, or storms).

Why It’s Important:

Physical damage insurance ensures that your truck is repaired or replaced, helping minimize downtime and keep your operations running smoothly.

What It Covers:

Cargo insurance protects the goods you’re transporting in case of damage, theft, or loss while under your care.

• General Cargo Coverage: Protects a wide variety of goods, merchandise, and raw materials.

• Specialized Cargo Coverage: For sensitive or high-value cargo (e.g., refrigerated goods), additional coverage may be needed.

Why It’s Important:

Cargo insurance ensures the safety of your shipments and helps maintain customer trust by minimizing the financial risks associated with damaged or lost goods.

What It Covers:

General liability insurance protects your business against third-party claims, including accidents, injuries, or property damage that occur as part of your day-to-day operations.

• Property Damage Liability: Covers the cost of property damage caused by your business.

• Bodily Injury Liability: Pays for injuries caused to others during your business operations.

Why It’s Important:

This broad coverage helps shield your business from significant financial losses due to lawsuits or claims filed by third parties.