Seguro comercial. commercial insurance. trucking insurance

Trucker’s Insurance

For someone like you who has a truck trailer, you should think about security. Trucker’s insurance is very important if you operate a truck trailer or a transportation business. A truly complete coverage, covering all your needs can cost a lot of money. There are different coverages depending on your vehicle. Other factors to consider are the type of business you have, what they transport, the drivers experience and the average distance traveled on a regular trip. The package you choose may include many necessary coverages. Although understanding the coverages will help you choose wisely.

General Liability Insurance

General Liability Insurance is really just protection for other people. In the event that you or the driver causes an accident, this coverage will pay third party damages. It includes medical expenses, repairs to the vehicle and other objects. This coverage works just like your car insurance. The difference is that the risk of a commercial vehicle is greater than that of a regular car.

Specialized Truck Trailer Insurance

We offer a variety of specialized options that you can choose from. You need to have coverage for any situation, without the price being so high. In addition to basic coverage you should be prepared with everything you may need depending on what your business does.

Additional Coverages

There are coverages that are not directly related to the shipment or transportation. For example, the truck cover. Applies after the load was delivered. It can be liability coverage to third parties, when it goes without a load or is being used personally. It does not matter if you bring an empty trailer. Occupational accident coverage will cover if the driver deceases or suffers damage while driving.

Coverage for Cargo

As you know, your suppliers can have your cargo insured. Although it is crucial that if you are a trucker, you must have this coverage. A bigger vehicle is riskier and can cause very expensive accidents. Besides losing a load can leave you bankrupt. If you get cargo coverage you could cover the loss.

Trucker’s Insurance Payments

Normally the package you choose you can be paid monthly. There are many payment plans. If you are financing the commercial vehicle, it will give you the option to include insurance. This can be more expensive. We can give you better options. We know that you will want to save as much as you can. That’s why we’re going to help you find the best Commercial Insurance option. You will be responsible for making your payments. The policy can be canceled at any time and it will not affect your credit. You will be responsible for any outstanding or cancellation fee. Remember that having a bad driving record can raise the price of your insurance.

Trucker’s Insurance Deductibles

The price of your commercial insurance will depend partly on your deductible. Normally drivers with bad records prefer higher deductibles to compensate the price. Deductibles vary from $500 to $2,000. The deductible is the part you must pay in case of an accident for repairs. For example, if your deductible is $1,000 and repairs are $3,500, you’ll pay $1,000 and the insurance company will pay the remaining $2,500. If you prefer, you can choose a lower deductible but the monthly payments will be a little higher. The best option for good drivers is having a high deductible and low monthly payments.

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