TRUCKING

RISK EXPERTISE

Trucking businesses are responsible for transporting a wide range of goods – whether it’s machinery, equipment, furniture, or raw materials – over hundreds of miles to arrive safely and securely at their intended destinations. These destinations may be interstate, intrastate, or even across international borders. Trucking businesses also carry significant risks. Assessing your exposures and taking the appropriate precautions can go a long way toward protecting your business.

FAQ

Do Long Haul Truckers and Short Haul Truckers need insurance?

Yes, truckers have a lot to protect. They need insurance to protect their vehicles, cargo, employees, as well as third party liabilities.

What are some notable risks facing Trucking companies?

• Automobile: The exposure is very high because it includes loading, unloading, and transporting of freight. Drivers must maintain valid commercial driver’s license for the trucks being driven and the cargo being moved. Manipulating a large semi-trailer rig requires training and awareness of surroundings. Vehicles must be maintained and records should be kept.
• Inland Marine: Customers’ goods may be damaged while being transported due to overturn, collision, or theft. Cargo containers should have locks and appropriate alarm systems. Most truckers are subject to minimum cargo legal liability requirements.
• Employee Injury: Exposure exists from driving, loading and unloading customers goods, and repair and maintenance activities. Drivers often need to operate in adverse driving conditions such as darkness, inclement weather, and road construction. Ergonomics plays an important role and can reduce back and leg injuries for drivers that sit in the same position for hours at a time. It is important to review safety plans including training, material handling, and equipment.

Which insurance coverages are needed for Trucking?

Insurance coverages needed for restaurants include (but not limited to) Commercial Auto Liability and Physical Damage, Inland Marine, Cargo, Workers Compensation, Crime, Pollution, General Liability, Occupational Accident, Bobtail and Umbrella.

How much does Long Haul Trucking and Short Haul Trucking insurance cost?

Insurance premiums for trucking operations will vary based upon several factors. Each policy is rated on different exposures which may include type of vehicles, routes, value and type of cargo, payroll, and revenue.

How do I purchase Trucking insurance?

Biscayne Risk & Insurance Group can help guide you through the insurance buying process.  Contact us at 561.571.1001, quotes@biscaynerisk.com, or via the contact form below.