MONDAY, MAY 9, 2022
If you are considering starting a trucking company, have a truck for hire, or are a tractor trailer owner-operator, you must have minimum amounts of commercial trucking insurance, as dictated by your state’s laws and federal laws (if applicable).
Dorsey & Associates Insurance in Philadelphia, Pennsylvania, can help you determine which policies you need to remain in compliance with federal and Pennsylvania’s laws regarding commercial trucking insurance. Contact us today to get the help you need building an insurance package for your trucking company.
Liabilities and Risks in the Trucking Industry 
As a trucking company owner, you face specific risks common in this industry. Truck drivers hauling tens of thousands of pounds of cargo can do significant damage to property and cause injuries to other drivers in an accident.
Due to the nature of the work, truck drivers face physical risks. The job requires sitting for long hours, which can negatively affect one’s health. Other exposures include heavy lifting, exposure to hazardous materials and extreme fatigue.
Truckers often face tight deadlines with financial penalties if they don’t pick up or deliver a load on time. They may have to drive in adverse weather conditions or drive for long periods in heavy traffic to meet their deadlines.
All of these factors can cause injury, illness and accidents. The trucking company may be held legally liable for damages and medical bills. Fortunately, having appropriate insurance can help protect a trucking company from the financial effects of common risks to the industry.
Which Types of Trucking Insurance Are Necessary?
State and federal laws dictate which insurance policies trucking companies must purchase. Your agent may recommend additional coverages to address risks specific to your business.
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Primary auto liability coverage for each truck must be included with a trucking company’s commercial auto insurance according to federal law. This coverage helps pay for third-party damages and bodily injury if your trucking company is legally liable in an accident.
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General liability coverage may help pay for damages if you or one of your drivers or employees accidentally cause third-party property damage or injuries while doing something other than driving.
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Bobtail coverage (non-trucking liability) helps provide coverage if the truck is being used off dispatch or for personal purposes.
Get the Commercial Trucking Insurance You Need
These basic insurance policies work well for nearly any trucking company. Several additional policies may also benefit your operation. Your agent can talk you through your choices to help you get appropriate coverage.
Contact the agents at Dorsey & Associates to get commercial trucking insurance coverage today.
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