West Virginia Commercial Truck Insurance
For over 20 years, NITIC has provided West Virginia truckers with accurate, affordable commercial truck insurance coverage. With hundreds of 5-star Google reviews and an A+ rating from the Better Business Bureau, you know you’re in good hands! For all of your hauling needs, NITIC is your commercial truck insurance partner for life! Our trucking insurance experts will advise you through every step of fulfilling your insurance responsibilities, including renewals.
West Virginia truckers can save up to 20% on comprehensive truck insurance!
If something tragic happens to your truck, commercial truck insurance will cover your legal, medical, and property damage costs. Regardless of your years of industry expertise or the size of your trucking company, you are required by law to obtain truck insurance. Analyze your company’s demands and share them with us for the best coverage.
Our promise to West Virginia truckers like you!
At NITIC, you receive the most value for your money. We provide a variety of insurance choices to our clients in West Virginia and offer all the crucial insurance packages your trucking company needs, including main liability, non-trucking liability, physical damage, and trailer exchange coverage for motor truck cargo and trailers. We follow the shortest claim evaluation procedure, and we provide the necessary financial help right away.
Speak with one of our West Virginia truck insurance agents, and get a free personalized quote.
Areas we cover in West Virginia
We provide coverage for all West Virginia cities, including the following when it comes to commercial truck insurance:
- Charleston
- Huntington
- Parkersburg
- Morgantown
- Wheeling
- Martinsburg
- Weirton
- Fairmont
- Beckley
- Clarksburg
- Teays Valley
- South Charleston
- St. Albans
- Vienna
- Cheat Lake
- Cross Lanes
- Bluefield
- Bridgeport
- Oak Hill
- Moundsville
- Dunbar
- Hurricane
- Elkins
- Pea Ridge
- Charles Town
- Nitro
- Brookhaven
- Princeton
- Ranson
- Buckhannon
- New Martinsville
- Keyser
- Grafton
- Barboursville
- Westover
- and surrounding towns and cities
Customers in these West Virginia cities can choose from a variety of discounts. For the best protection for your business, just give us a call.
Commercial truck insurance coverages in West Virginia
To protect themselves from incidents that might result in both property damage and physical harm, every trucking industry in West Virginia requires truck owners and operators to get third-party liability insurance. Through NITIC, you will get the following coverages that will help you run your trucking company successfully and offer first-rate financial support:
Get in touch with us to learn more about any of the aforementioned coverages, and we’ll let you know how much it will cost to have it tailored to your company.
What types of trucks do we offer coverage in West Virginia?
Regarding the sorts of trucks to insure for your company, we in West Virginia have the requisite experience. The many truck types for which we offer coverage are listed below:
- Box trucks
- Dump trucks
- Hotshots
- Tow trucks
- Semi-trucks
- Private Carrier
- Owner Operator
Need a free consultation? Give us a call. We will be right back to you.
Why do you require Commercial Truck Insurance in West Virginia?
The benefits of commercial truck insurance are numerous. It not only protects your money but also upholds the reputation of your business. Commercial truck insurance offers a variety of benefits in West Virginia, including the following:
- Covers the third-party costs (bodily injury and property damage).
- Covers all of your property damage and personal injuries.
- Defends against any legal action brought by accident victims
- Pay all medical costs.
- Covers any freight damage to your transport.
Minimum commercial truck insurance requirements in West Virginia
West Virginia, like any other state, mandates that commercial drivers uphold particular minimum liability criteria in order to run their trucking business. The following split liability policy minimums are,
- $25,000 per individual
- $50,000 for each mishap
- $10,000 for property damage
Truckers must adhere to several federal requirements in addition to having this minimal liability insurance. Any truck that crosses state lines is required to abide by the FMCSA regulations which are as follows:
- For hazmat, you will require $5 million of liability insurance.
- For oil, you will require $1 million of liability insurance.
- For general freight, you will require $750,000 of liability insurance.
- For household goods, you will require $300,00 of liability insurance.
What is the cost of commercial truck insurance in West Virginia?
All trucks in West Virginia are required to carry average truck insurance of $775 per month. The typical cost of insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:
- $368 per month for trucking primary liability
- $100 per month for cargo truck insurance
- $274 per month for trucking physical damage
- $35 per month for bobtail insurance
These price projections are based on primary liability, type of cargo, and physical damage insurance. The final premium cost is affected by a number of factors, including,
- Type of cargo you are transporting
- Your previous insurance claims
- Length of time you have been in operation
- Amount of risk because risk varies from business to business
- Truck model, and weight
- Type of coverage you choose
Example West Virginia Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your West Virginia insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Box Truck
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Tow Truck
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Tractor Trailer
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
West Virginia Commercial Truck Insurance Filings
At NITIC, we understand the intricacies of securing your trucking authority in West Virginia. Once you file for authority, we handle all the essential insurance filings to ensure you are fully compliant with state and federal regulations. Our services include managing the following forms:
- ICC Filing: Required for interstate trucking operations, this filing ensures compliance with the Interstate Commerce Commission’s (ICC) regulations.
- MCS-90: This mandatory endorsement guarantees that your insurance policy meets federal financial responsibility standards for motor carriers.
- Form E: A certification of financial responsibility, this form verifies that your insurance policy meets West Virginia’s liability coverage requirements.
- Form H: This form certifies that your cargo insurance meets state requirements, ensuring the protection of the goods you transport.
When you partner with NITIC, you can focus on your trucking business while we manage the necessary paperwork to keep you compliant with West Virginia’s regulations. Contact us today to ensure your operations remain smooth and uninterrupted.
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Sheri is the best customer service rep around. Very pleasant and very informative.
4.7/5
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