| This type of insurance coverage applies to a group | | | | haulers carrying their own goods like farmers, retailers |
| involved in a commercial venture. Their services meet | | | | and manufacturers or those hauling goods under |
| the requirements of commercial trucks, fleet cars and | | | | someone else's authority like a truck owner leased to |
| tow trucks. Commercial insurance companies offer a | | | | another carrier are considered unregulated and as |
| range of policies that allows a business to have their | | | | such do not need to have federal or state |
| insurance needs tailored to fit their specific needs. | | | | registration. |
| With these companies having such a wide scope of | | | | Apart from the trucking authority, there may be |
| acceptance, they are sure to be able to offer | | | | other reasons a business may be required to show |
| coverage for nearly every driver and business no | | | | proof of insurance. Those that use over-sized |
| matter what the vehicle model. | | | | vehicles or drivers with only a probationary license |
| The commercial truck insurance policies can also be | | | | may require either a non-trucking filing or a certificate |
| customized to best serve a drivers needs such as | | | | of insurance. |
| facilities like 24/7 claims service, flexible payment | | | | If your business is involved in the movement of |
| schemes and even discounts. These truck and trailer | | | | hazardous cargoes or passengers it may well serve |
| policies will cover everything from: | | | | you better to go to a specialized insurance company. |
| Front loaders | | | | These insurance companies deal with hundreds of |
| Garbage trucks | | | | questions every day of the week, below are a |
| Flatbed trucks | | | | couple of the more common ones with the answers. |
| Box trucks | | | | What type of cover should my business have? |
| Pick ups | | | | Given that different businesses have different needs, |
| Dump trucks | | | | it's a wise choice to choose a company that can |
| They will also offer assistance for: | | | | tailor a policy that will cover all your needs. |
| Truck Insurance Filing. This is very important | | | | Does my business really need commercial auto |
| especially when you need to show proof that the | | | | insurance? Most businesses are required to have |
| insurance coverage you own is sufficient for the | | | | commercial vehicle insurance. Take the freelance rep |
| vehicle you operate. | | | | using their own car to get their goods to customers- |
| Federal Insurance Filing. This applies to businesses | | | | they would not need a commercial insurance |
| involved with hazardous cargoes, for hire trucking and | | | | coverage, an ordinary personal insurance would |
| interstate trucking. An example of this would be, if | | | | suffice. |
| your company does specialist, long haul or regional | | | | Do all commercial insurers cover all vehicles and |
| trucking. If the goods you are hauling are | | | | businesses? The answer is no, some companies |
| non-exempt and move across state lines then | | | | make exclusions on what they will and will not cover. |
| for-hire truckers would also need a federal filing. | | | | This is why it's always better to try and find a |
| Businesses that never cross a state line or engage in | | | | company that deals with your type of hauling needs. |
| intrastate trucking do not require federal filing. Private | | | | |