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About Truck Insurance Commercial
No matter where you live or operate your business, you must obtain insurance for all commercial trucks. Some states allow noncommercial motorists to go without paying for monthly insurance policies or require those who opt not to purchase an annual plan to pay a fee to the state instead. This is not the case when it comes to commercial driving. Commerce related driving is different because the employees represent the company at all times. In the event of an accident, the employee and anyone else involved will need to be able to access appropriate legal avenues including government services such as workmans comp and disability. Also, businesses face non-accident related problems such as vehicle damage, vandalism, and theft. Federal and State agencies require that proof of insurance is submitted for approval prior to operating your business. Those in the market for commercial truck insurance do have a few choices available to them. Much like ordinary motorists, they can opt for mere primary liability insurance, which is far cheaper than buying full coverage. This is the minimum amount of coverage necessary for compliance with federal law.
Foy Insurance Group
170 Main St Unit 103, Tewksbury, MA 01876(603) 898-6320 Write a review
Pappathan Insurance Agency Inc
95 Bridge St, Pelham, NH 03076(603) 635-1099 Write a review
Pelham Insurance Services Inc
122 Bridge St Ste 2, Pelham, NH 03076(603) 635-2434 Write a review
25 Old Lawrence Rd, Pelham, NH 03076(603) 635-7399 Write a review
Charbonneau R Trucking & Equipment Rental
25 Old Lawrence Rd, Pelham, NH 03076(603) 635-9214 Write a review
Greaney Kevin J Materials & Trucking
101 Amesbury Rd, Newton, NH 03858(603) 394-7004 Write a review
American Hardware Insurance
122 Eagle Rd, Hampstead, NH 03841(603) 329-7012 Write a review
5 Plaistow Rd Ste C47, Plaistow, NH 03865(603) 382-9231 Write a review
More on Truck Insurance Commercial
Primary liability covers all damages and injuries your vehicle may incur and the accident coverage amount usually starts at $750,000 dollars. This only covers accidents that happen while the vehicle is in transit. General liability is similar to primary liability, but it covers accidents that dont happen on the road, too. This means that general liability covers accidents that occur while the vehicle is still within the confines of your property or parked elsewhere. This may not sound like a big deal, but its important to remember that the majority of thefts and other damages, like vandalism, take place while trucks are parked at rest/truck stops or are simply sitting in your lot overnight. If you are seeking coverage for a freight vehicle or something else along those lines, you may want to purchase cargo insurance as well. This covers the stuff you are attempting to transport in instances of theft, loss, or other damages. This isnt mandated by the federal government but it improves client relations as it builds their confidence in your companys safety. Non-trucking insurance sounds a little odd, but its just a label for policies that cover your commercial truck whenever its under your care. This means that your truck is covered during a trip to the repair shop or when you have to park it at your home instead of your business. Talk to your local insurance provider for further information about any of these policy options and to determine which one is right for your business.