FRIDAY, AUGUST 6, 2021
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.

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