Types of trucks we insure
Businesses using trucks for hauling any sort of shipment need commercial vehicle insurance to ensure their safety on the road. At NITIC, we understand your unique insurance needs and the risks related to your business. We make sure that your assets are fully protected. We offer blanket coverage for all types of trucks at your preferred price.
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If your business operations completely rely on trucks then insuring them is crucial. Having commercial truck insurance proves to be beneficial when an accident arises. It provides immediate financial support to meet the expenses incurred.
What types of trucks do we offer coverage for?
NITIC offers bespoke truck insurance for all type of commercial vehicles you use for transporting the shipment. We offer commercial truck insurance for the following trucks:
Built for carrying heavy-duty construction machinery, a semi-tractor trailer has multiple axles. Whether you are a private carrier or an owner-operator, we offer comprehensive tractor trailer coverage that you need for your 18-wheeler truck. Our highly specific truck policy will secure your business from all unforeseen events that can hinder its operation.
As semi-trucks weigh huge tons and move at a higher speed, they can bring catastrophic results on the road if gets collided with another vehicle or property. You need to get your truck insured with the following coverages:
- Primary Liability insurance: This policy is mandatory by the law. This doesn’t cover your truck but protects you when you do any sort of physical injury or property damage to a third party.
- Physical damage insurance: Your semi-truck gets covered for the losses after an accident, fire, theft, etc.
- Bobtail Insurance: This insurance covers your truck from the damages both on and off the road without the trailer. Owner-operators who drive their tractor trailer without shipment requires to have this policy.
- Motor cargo coverage: The cargo you haul is as important as your semi-truck. This coverage protects your cargo if it gets stolen or damaged on the road.
Box trucks are mainly used for moving furniture, appliances, courier, and freight to different destinations. These trucks are also known as straight trucks and cube trucks. As transporters haul lightweight goods, they often take local routes to move the shipment and do not require to carry a license. But the cargo and the truck are exposed to several risks on the road, so they need insurance.
There are n-number of possibilities on the road that can put your business on hold. Consider taking the following insurance for your box trucks:
- Reefer breakdown: This policy protects you against situations where refrigeration fails due to failures of the temperature control system or motor.
- Liability coverage: The state requires you to carry this insurance cover. It provides monetary support in case your truck does property damage or bodily injury to the third party whether you are at fault or not.
- Medical payments: This policy pays for the hefty medical bills when your box truck does any sort of bodily damage to a third party.
- Physical damage coverage: This coverage is not needed for commercial truck insurance but is always recommended. This policy protects against damages resulting from extreme weather conditions, collisions, or theft.
- Cargo insurance: You cannot afford to lose or damage the cargo you transport. Truck cargo insurance protects the cargo you haul against theft, damage, etc.
A truck that carries time-sensitive and smaller loads to nearby destinations are hot shot truck. Transportation truckers play the role of minutemen in this trucking business. They don’t require a commercial driving license but need a motor carrier authority number to drive. These trucks help in expediting shipping more than a usual pace.
With high-speed driving, these trucks are exposed to a number of risks. You need to protect it from many possibilities. Hot shot truck insurance offers coverage for:
- Damage: Hot shot truck insurance protects your truck from damages that occur after a collision, theft, fire, etc. It pays for the loss to the third party as well as your own commercial vehicle.
- Repair: This insurance reimburses the money you paid for repairing your hot shot after an incident.
- Medical: You get paid for the medical expenses you and the third party suffered after an accident.
- Loss cargo: This insurance compensates you for the cargo damage or loss after an accident, theft, fire, etc.
- Lawsuits: If you get legal notice after damaging third-party property or physical injury, then this policy will get you covered for the legal expenses as well.
Dump trucks are used to transport voluminous materials like sand, dirt, demolition, gravel, and ores during a mining or construction process. The structure of these trucks is different from other types of trucks. The risk of incorrect loading, holding off-road, and other safety hazards are major concerns in this trucking business.
Protecting your dump trucks with the right truck insurance is important. You need to get the following coverages for your dump truck:
- Auto liability insurance: You get covered for the medical bills as well as property damage for the third party after an accident.
- Physical damage coverage: If your dump truck gets damaged after a collision, this coverage helps to get it back on road ASAP. It also covers the loss after events of fire, animal strikes, theft, falling objects, and vandalism.
- Cargo insurance: Your cargo that you haul gets protected from theft, fire, loss, collision, etc. under this insurance cover.
- General liability coverage: It protects you from lawsuits from people who get physically injured or lose property after colliding with your truck.
Trucks that are engaged in removing abandoned or disabled vehicles from the roadway are tow trucks. Also known as flatbeds, these trucks are a bit complex that tow a motor of any size from one point to a specific destination. Pulling a heavy vehicle puts a tow truck into more mass which exposes the towing truck to many risks.
If you haul highly valued and weighty vehicles, then you need to get the following insurance coverage for your tow truck:
- Medical payment cover: This pays for the medical expenses of your trucker as well as the passengers after an incident.
- On-hook towing insurance: This policy pays for the cost of repair and replacement of the vehicle that you tow, in case it gets damaged.
- Physical damage insurance: You get covered for the damage resulting in the repair or replacement of your tow truck. You get reimbursed for the replacement of expensive parts and even get the whole truck replaced if it is beyond repair.
- Garage service insurance: Until you have your client’s vehicle in your facility this insurance protects you against all the risks like fire at the garage, theft, explosion, etc.
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FAQs
- Medical expenses of the injured party after an accident.
- Property damage resulted from accidents, theft, fire, vandalism, etc.
- Loss of shipment due to theft, fire, explosion, etc.
- Lawsuits from the third party after bodily injury or property damage.
- Private carrier company.
- Owner operator.
- Motor carrier.
- Fleet management business.
- A person who drives a truck for commercial purposes.
- Type of truck used in business.
- The location you are serving.
- The amount and type of cargo you haul.
- The past driving records of your truckers.
- The radius of your movement.
