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COMMERCIAL TRUCK INSURANCE

When the Road Is Long

Truckers are the backbone of the U.S. economy. AIS will help you protect your trucking business while remaining compliant with state and federal regulations. We search through multiple insurance companies and shop various Truck Insurance policies to find you the best fit for your line of business and type of truck.

Basic Coverages

Trucking businesses must carry Tractor Truck General Liability. Most businesses tend to carry more comprehensive coverages. Whether you have an ice cream truck or a cargo van, we’ve got the right coverage for you.

Understanding Commercial Truck Insurance Coverage

Insurance is the contractual transfer of the financial consequences of loss to another party. When you buy Commercial Truck Insurance, an insurance company is promising its duties, exclusions and conditions under which they will cover you in the event of a loss.

Being properly insured allows you to conduct your business knowing you're financially protected in the case of a mishap. Your type of coverage and cost will depend on various factors such as the type of business, location, driving radius, vehicle type, and more. A Business Insurance specialist will help you evaluate your liabilities and build the right coverage.

Here are the types of insurance coverages you can buy:

Tractor Truck General Liability

Coverage for physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death. It also pays for damage or destruction including loss of use of a Third Party's property. Reduction in value is the measure of property damage.

Collision

Coverage that pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This coverage is often subject to a deductible.

Comprehensive

Coverage that pays for direct and accidental damage to the insured's automobile other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.

Uninsured & Underinsured Motorist

This coverage (a) pays for the insured’s injuries caused by an accident deemed the fault of an uninsured motorist, (b) covers the bodily-injury expense of the insured and passengers in his/her vehicle. This type of coverage is generally written with a per-person and per-occurrence limit.

Down Time Reimbursement

Helps cover the loss of income while during down time as a result of a covered loss.

Non-owned Trailer

Coverage that extends to trailers not owned by your business but that are in use by your business.

Non-trucking Liability

Coverage that protects you from losses that arise when using a truck for non-business purposes.

Rental Reimbursement

Reinburses the cost of a rental up to the amount agreed to on an insurance policy.

Tractor Truck Liability (up to $2M)

Liability Insurance for tractor trucks.

Trailer Interchange

This coverage for trailers is for physical damage as a result of being pulled.

Why Do You Need AIS?

Your type of coverage and cost will depend on various factors such as the type of business, location, driving radius, vehicle type, and more. Not sure about your commercial truck? Give us a call. With a variety of resources and insurance providers, we’re likely to find the coverage you need.

Here are some of the truck types we shop coverage for:

Box trucks	Pump trucks
Cargo vans	Refrigerated trucks
Cement mixers	Semi-trucks
Dump trucks	Street sweepers
Flatbed trucks	Tow trucks
Food trucks	Utility trucks

Additional Insurance Coverages to Bundle

Wouldn’t it be great if you could save money on insuring your business and all of its assets? At AIS, we find affordable coverage for a wide variety of businesses.

We compare the best rates from multiple trusted carriers, so you know you’re getting the best protection for the best price.

See Coverages