Insurance for Your Fleet

Just like with your personal car, big rigs require liability insurance before hitting the road as well. But, while the required coverage is limited, a variety of insurance options exist to give you the option of more comprehensive coverage for your trucks, drivers and cargo. There’s a lot riding on your fleet of trucks—literally. So why not protect it fully? The following are some of the coverage options you can explore with your independent insurance agent.
semi truck

Primary Liability: This coverage is mandatory for every rig, even leased units. It provides protection to third parties who suffer injury or property damage during a collision with the insured truck.
General Liability: This coverage provides similar protection to that of primary liability, but for accidents that occur while a truck is not being operated. For example, a warehouse worker may trip and get injured while unloading a trailer.
Cargo: Covers freight that is lost, damaged or destroyed during transit. Depending on your policy, this coverage may have exclusions, such as maximum theft limits.

Warehouse Legal: Covers warehoused goods from various losses that may occur during storage. Coverage is often dependent on the amount of goods being stored.
Terminal: Covers cargo located at terminals. Depending on your policy, this coverage may have time limitations, such as 72 hours per load.
Non-Owned Trailer: Covers trailers that you pull for a third party, including both physical damage and liability coverage.
Non-Trucking Liability: Covers trucks and third parties while a driver is not under dispatch, such as when a truck is parked.
Physical Damage: Covers trucks from various damages, such as fire, collision, theft and severe weather damages.

Is your fleet covered? Call Geswein Insurance Agency at 614-389-2360 for more information on Powell, OH trucking insurance.

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