South Carolina Commercial Truck Insurance
Searching for commercial truck insurance in South Carolina? With hundreds of 5-star Google reviews and an A+ rating with the BBB, NITIC is your trusted source commercial truck insurance quotes. Over the past 20+ years, we have grown to be one of the best commercial truck insurance companies in South Carolina by providing flexible coverage and payment options, free filings, expert handling of heavy truck claims, savings, and knowledgeable help. For all of your hauling needs, we are the best business partner.
South Carolina Truckers Trust NITIC with Their Insurance Needs!
Commercial truck insurance can be confusing. Our team is here to help guide you.
As seasoned insurance professionals with years of expertise in the trucking industry, NITIC understand the unique challenges faced by commercial truck owners in South Carolina. Our extensive experience in providing insurance solutions for commercial vehicles positions us as authorities in the field. We are dedicated to ensuring the smooth operation of your trucking business by offering a safety net tailored to your specific insurance needs. Our commitment to excellence and a track record of satisfied clients underscore our trustworthiness and leaders in the commercial truck insurance industry. Let us leverage our industry knowledge to secure the finest truck insurance coverage for your business at the most competitive rates, ensuring uninterrupted success for your operations.
How can NITIC help commercial truck drivers like you?
With over 30 years of experience in providing high-quality and comprehensive trucking, you get the best value for your money at NITIC. We offer our customers in South Carolina a wide range of insurance options. In accordance with your unique company demands, we can help you get the greatest coverage. Including primary liability, non-trucking liability, physical damage, worker’s compensation, and trailer interchange coverage for motor truck cargo and trailers, we provide all the essential insurance programs your trucking business needs.
We adhere to the quickest claim determination process, and we immediately give the required financial aid.
Areas we cover in South Carolina
We provide coverage for all South Carolina cities, including the following when it comes to commercial truck insurance:
- Charleston
- Columbia
- North Charleston
- Mount Pleasant
- Rock Hill
- Greenville
- Summerville
- Goose Creek
- Sumter
- Florence
- Greer
- Spartanburg
- Hilton Head Island
- Myrtle Beach
- Bluffton
- Aiken
- Anderson
- Fort Mill
- Socastee
- Mauldin
- Simpsonville
- North Augusta
- Lexington
- Carolina Forest
- Easley
- Conway
- Taylors
- Greenwood
- Hanahan
- St. Andrews
- Wade Hampton
- North Myrtle Beach
- Five Forks
- Clemson
- West Columbia
- and surrounding towns and cities
Customers in these South Carolina 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 South Carolina
Every state in America requires truck owner-operators to get third-party insurance to protect them from accidents that cause both property damage and bodily harm. You need enough commercial truck insurance to safeguard your South Carolina trucking business against unforeseen occurrences like accidents, vandalism, natural disasters, and others.
You may obtain the following coverages through NITIC, which will aid you in managing your trucking business successfully and provide first-rate financial support in South Carolina:
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 South Carolina?
When it comes to the sorts of trucks to insure for your company, we in South Carolina 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 South Carolina?
Commercial truck insurance offers numerous benefits. It not only safeguards your funds but also maintains the integrity of your company’s brand. There are several advantages to having the proper truck insurance in South Carolina, 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 South Carolina
In South Carolina, commercial truck insurance plans are required to provide liability coverage with varying levels based on the truck model, tonnage, and operation of your vehicle as well as uninsured motorist coverage. The FMCSA established those restrictions. Interstate truckers are required to adhere to both these minimums and federal liability coverage requirements.
|
Type of Insurance
|
South Carolina DOT Requirement
|
|---|---|
|
Liability Insurance (Hazmat)
|
$5,000,000
|
|
Liability Insurance (Household Goods)
|
$300,000
|
|
Liability Insurance (General Freight)
|
$750,000
|
|
Liability Insurance (Oil Transport)
|
$1,000,000
|
|
Cargo Insurance (Intrastate household goods movers and interstate contract carriers)
|
$3,500/vehicle and $5,000/catastrophe
|
What is the cost of commercial truck insurance in South Carolina?
All trucks in South Carolina are required to carry average truck insurance of $1150 per month, whether they are being utilized for personal or professional purposes. The average cost of commercial truck insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:
- $590 per month for trucking primary liability
- $187 per month for cargo truck insurance
- $320 per month for trucking physical damage
- $56 per month for bobtail insurance
These price projections are based on drivers that operate one truck and require liability, type of cargo, bobtail, and physical damage insurance.
The 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
These are the primary factors that we will take into account when calculating your cost, while other factors may also have an impact on your insurance prices.
Read more on South Carolina commercial truck insurance costs here!
Example South Carolina Commercial Truck Insurance Cost Matrix
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$11,200
|
$12,200
|
$13,200
|
$14,200
|
|
Box Truck
|
$11,200
|
$12,200
|
$13,200
|
$14,200
|
|
Tow Truck
|
$11,200
|
$12,200
|
$13,200
|
$14,200
|
|
Tractor Trailer
|
$11,200
|
$12,200
|
$13,200
|
$14,200
|
South Carolina commercial truck insurance filings
Both South Carolina and the USDOT mandate specific submissions from your insurance agent. Your insurance agent or insurer is responsible for handling these submissions. These documents notify the government that your semi truck insurance obligations are met, a prerequisite for obtaining your authority. Common forms include:
- Form MCS-97
- Form E
- Form H
- The BMC-98
How can you save on South Carolina commercial truck insurance?
Safety Programs: Introduce safety programs within your trucking business to mitigate the risk of accidents. South Carolina insurers often offer discounts for businesses with robust safety measures.
Driver Training: Ensure your drivers undergo regular training to enhance their skills and safety awareness. Well-trained drivers in South Carolina may qualify for reduced insurance premiums.
Maintain a Good Driving Record: Maintain clean driving records for both your business and individual drivers to potentially lower insurance costs. Minimize accidents and traffic violations to maintain a favorable insurance profile.
Choose Higher Deductibles: Opt for higher deductibles to potentially lower premium costs, but carefully consider the financial impact on your business in case of a claim.
Safety Features: Outfit your South Carolina commercial trucks with safety features like GPS tracking, anti-theft devices, and collision avoidance systems. Insurers in South Carolina often offer discounts for vehicles equipped with advanced safety technology.
Fleet Management: Implement efficient fleet management practices, including regular maintenance, inspections, and meticulous record-keeping. A well-maintained fleet can lead to reduced insurance expenses.
Review Coverage Needs: Periodically evaluate your coverage requirements and adjust them based on changes in your business operations. Avoid over or under-insuring your trucks to optimize costs.
Bundle Policies: Explore bundling different insurance policies with providers in South Carolina, as this may result in discounts on overall insurance expenses.
Increase Security: Enhance the security of your trucks by implementing measures such as secure parking, surveillance, and cargo protection. A secure operation may qualify for lower insurance rates.
The below scenario assumes a clean driving record. Your personal driving history will affect your South Carolina insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
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