HAZMAT TRUCK INSURANCE
Transporting hazardous substances is essential for your business but involves high risk and we understand every challenge you face every day. NITIC has three decades of experience in providing the right truck insurance solutions to clients in the US. Allow us to help you protect your trucking business with the finest hazmat truck insurance at the most affordable rate.
Get protected from all the risks with the right coverage!
Minimize your safety concerns at your affordability
If your business encircles the transport of hazardous material then you need to protect it against various likely risks. The hazardous cargo you haul can cause huge damage to people, property, and your own truckers. For instance, an accidental release of shipment can contaminate the people and property that comes in direct contact with it. Crash, fire, and explosion can do grave harm to your hazmat business. You need to protect it and lessen your worries with the right hazmat truck insurance.
What is hazmat truck insurance?
Hazmat trucking is risky as the stress of delivering the hazardous substances in the right condition to the right location is very high. Here hazmat truck insurance is the key to protecting and minimizing the risk of unforeseen danger. This is a type of commercial truck insurance that pays for the loss to the cargo, property, and people that you suffer in an accident.
Who needs hazmat truck insurance?
Due to the inherent danger of hauling hazardous material and explosives Occupational Safety and Health Administration (OSHA), the Department of Transportation (DOT), and the Environment Protection Agency (EPA) strictly regulates its transportation. If you want to operate legally on the road you require hazmat truck insurance.
The safety of the public is more than important in hazmat trucking. You should be able to address every risk that comes with moving hazardous material. Substances that are poisonous, flammable, or explosive carry some danger. If you haul any of the following hazardous materials, you will require hazmat truck insurance with the right amount of coverage.
- Explosives
- Radioactive materials
- Corrosives
- Any other dangerous goods
- Oxidizing substances OR organic peroxides
- Gases
- Flammable liquids and solids
- Infectious and contagious substances
What coverages are included in hazmat truck insurance?
The right hazmat truck insurance comprises the following coverages:
- Pollution liability coverage: This policy pays for the expenses incurred in clean-up after an accident including costs occurring due to the release of pollutants being transported, owned, loaded, or unloaded from the covered truck.
- Collision and comprehensive: This coverage protects your truck and trailer against the losses arising out of theft, vandalism, fire, overturn, and other types of risks.
- General liability: This policy is also called hazmat’s hauler liability which protects you from non-trucking activities. Like incorrect delivery of the substance.
- Loading and unloading: This coverage protects the cargo while being loaded or unloaded. If any damage occurs to the shipment, this coverage will pay for it.
- Medical payments: This coverage pays for the medical expenses of your trucker and passengers who get injured in the accident.
- Downtime coverage: Adding downtime coverage to your existing physical damage policy will add an additional layer of protection against all likely losses. It pays for the time when you are not operating with your truck due to an accident.
- Rental reimbursement: This pays for the rental truck you hire when your own truck is undergoing repair after an accident. You can get a large ratio of the truck rental cost via rental reimbursement coverage.
What is the cost of hazmat truck insurance?
The exact cost cannot be defined in dollars because the hazmat truck insurance rates are influenced by the following factors;
- Hazmat violations: If you already have hazmat violations in your name then the amount of hazmat truck insurance will be higher. Make sure that you adhere to all hazmat regulations to lower the cost of your policy.
- Coverage gaps: If there are frequent gaps in your hazmat policy then the price of your coverage will shoot up. You need to carry this coverage all the time to be on the safer side.
- Past driving records: Truckers who have violated traffic rules or have poor driving records face higher policy rates on all types of truck coverages including hazmat.
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FAQs
As Occupational Safety and Health Administration (OSHA), the Department of Transportation (DOT), and the Environment Protection Agency (EPA) strictly regulate the transportation of hazardous material, if you fail to comply with their regulation then you could face hefty fines or/and imprisonment. Also, if you have already violated hazmat regulations then the price of your policy will go higher.
To save money on your hazmat policy get in touch with us today.
Hazmat truck insurance offer liability coverage for:
- Pollution clean up
- Accident site clean-up
- Rental reimbursement (optional)
- Downtime coverage (optional)
If your trucking business involves transporting hazardous material, you must carry hazmat truck insurance to do this legally. Hauling such material need extra care because it can contaminate or injure people or property in the event of accidental release. So you need this policy to carry your trucking business smoothly.
Materials that are poisonous, explosive, or flammable carry a certain amount of risks and the truckloads that include the following are considered hazardous in hazmat trucking.
- Poisons
- Gases
- Radioactive substances
- Organic peroxide
- Flammable solids and liquids
- Organic peroxide
- Corrosives
- Fertilizers
- Paint
- Adhesives
