4 keys to Owner Operator Truck Insurance helps you understand Commercial Auto Liability, Physical Damage, Motor Truck Cargo and Trucking General Liability.
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- You’ve hit someone or something and ‘you’re liable to get sued’
- Primary liability covers Motor Carriers or Owner Ops 24/7
- Non-trucking liability (NTL) covers the leased on Owner Op who is hauling on behalf of a Motor Carrier at the time of loss
- Most requested limit of coverage is $1,000,000
- Physical Damage or Comp & Collision on your vehicle
- Collision covers your truck if it is damaged by hitting something or overturns
- Comp ‘comprehensively’ covers just about anything else that can happen like fire, theft, vandalism or animal hit
- Cargo insurance insures freight for fire, theft, collision or striking of a load
- Premium is based on type of commodities with many excluded products including prescription drugs, tobacco and spirits
- ‘Reefer’ is for refrigerated or temperature controlled freight
- Most requested limit of coverage is $100,000
- You’ve hit someone or something and ‘you’re liable to get sued’
- Primary liability covers Motor Carriers or Owner Ops 24/7
- Non-trucking liability (NTL) covers the leased on Owner Op who is hauling on behalf of a Motor Carrier at the time of loss
- Most requested limit of coverage is $1,000,000