Tractor trailer owner-operators, trucking company owners and people who have a truck for hire must purchase minimum amounts of commercial trucking insurance according to state and federal laws.  

The agents at the Bob Putnam Agency in Worcester, New York, can help you decide which commercial trucking policies may best meet your needs and help you remain in compliance with state and federal laws. Contact us today to get help building a commercial trucking insurance policy tailored to meet the needs of your organization.  

Trucking Industry Liabilities and Risks  

Trucking company owners face risks common in the transportation industry. Tractor trailers loaded with tens of thousands of pounds of cargo pose a significant hazard to other motorists if there’s an accident.  

Truck drivers face work-related risks, as well. Fatigue, heavy lifting and potential exposure to hazardous materials may be a regular part of a truck driver’s workday.  

These and other factors can cause illness, injury and accidents. A trucking company could be held legally liable for medical bills, property damage and more. Having appropriate insurance can help limit a commercial trucking company’s risk.  

Types of Trucking Insurance 

While state and federal laws dictate which insurance policies a trucking company must carry, your insurance agent may recommend additional coverage to help address specific risks.  

• Primary auto liability coverage for each truck is necessary as part of a trucking company’s commercial auto insurance according to federal law. Liability insurance helps pay for third-party injuries and property damage if your company is legally liable in an accident. 
• General liability coverage helps pay for damages if you, one of your employees or one of your drivers cause injuries or third-party property damage while doing something other than driving. 
• Bobtail coverage (non-trucking liability) may help pay for damages if the truck is used for personal purposes or off dispatch.  

Get the Commercial Trucking Insurance You Need 

These basic coverages apply to nearly any trucking company. Your agent may recommend additional endorsements and policies to help tailor your insurance to meet the needs of your organization.  

Contact the Bob Putnam Agency today to get the commercial trucking insurance you need. 
 

 

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