Trucking Insurance in Santa Ana, CA
Commercial trucking carries numerous financial exposures, including collisions, cargo damage, cargo theft and liability claims for injuries to other drivers. Trucking insurance is intended to cover these risks. Without a policy, each incident could result in significant repair costs, legal expenses or lost income while vehicles are out of service.
What Trucking Insurance Covers
Robust trucking policies typically combine multiple coverage types. Your agent may recommend the following:
- Primary liability insurance may cover bodily injury and property damage you cause to others while operating your truck.
- Physical damage insurance may financially protect your truck and trailer against collision, theft, fire and other covered losses.
- Motor truck cargo insurance may cover the freight you’re hauling if it’s lost, stolen or damaged in transit.
- General liability insurance may address nondriving incidents such as loading and unloading injuries at a customer’s location.
- Nontrucking liability insurance may provide coverage when the truck is operated outside the scope of a dispatch.
- Workers’ compensation insurance may financially support employees who suffer from work-related injuries and illnesses.
Who Needs Trucking Insurance
Trucking insurance applies to owner-operators, small fleets, long-haul carriers, local delivery operations and specialty haulers such as flatbed, refrigerated or hazardous materials transporters. Federal and state regulations require carriers to maintain state-required minimum liability limits, and most shippers and brokers require proof of coverage before awarding loads.
Learn More
Coverage requirements often vary by cargo type, operating radius and the number of drivers on your policy. Calle's Insurance can review those factors and shop multiple carriers to help you find suitable coverage. Contact us today to get started.