Commercial Insurance Broker Adding Value to Your Business
COMMON trucking and transportation ENDORSEMENTS
Protect Your Business with Gleason Insurance Brokers
At Gleason Insurance Brokers, we understand that your time is important and needs to be focused on the business. It is our goal to reduce the time involved when dealing with the business insurance policies. We are experienced and dedicated to providing exceptional customer service and working with you to find the best possible policy for your business. The right discussion is essential in order to get an accurate quote when seeking tractor trailer auto insurance. Working with an experienced insurance agent or broker who understands the specific needs and regulations for trucking companies in California is vital.
Regular Policy Reviews: Regularly review and update the insurance policy to ensure continued compliance and adequate coverage as the business grows or changes. By securing typical coverages and endorsements, trucking companies can operate with confidence, knowing they are protected against a wide range of risks associated with their operations in California.
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Contact us today at 844-97-USAVE | 844-978-7283 or enter your information for the line(s) of insurance needed on our quote request form link below.
TYPICAL ENDORSEMENTS FOR trucking INSURANCE
A variety of trucking and commercial auto insurers can offer a Utah truck insurance quote with a range of coverages tailored for trucking companies operating in Utah. While specific coverage options and details can vary, here are the typical coverages you might expect to find in a commercial auto tractor trailer insurance policy for trucking with a quality insurance carrier:
Typical Coverages for Trucking Commercial Auto Insurance
Primary Liability Insurance:
- Purpose: Covers bodily injury and property damage to third parties caused by the trucking operations.
- Requirement: Mandatory for all commercial trucks operating in California.
Physical Damage Coverage:
- Comprehensive Coverage: Covers non-collision-related damages such as theft, vandalism, fire, and natural disasters.
- Collision Coverage: Covers damages resulting from collisions with other vehicles or objects.
Motor Truck Cargo Insurance:
- Purpose: Covers loss or damage to the freight being transported.
- Application: Essential for protecting the value of the cargo being hauled.
General Liability Insurance:
- Purpose: Covers third-party injuries and property damage that occur outside of the trucking operations, such as incidents at the trucking company’s premises.
Non-Trucking Liability Insurance:
- Purpose: Provides liability coverage when the truck is being used for personal or non-business purposes.
- Application: Often required for owner-operators when they are not under dispatch.
Trailer Interchange Insurance:
- Purpose: Covers physical damage to trailers that the trucking company does not own but is using under a trailer interchange agreement.
Bobtail Insurance:
- Purpose: Covers liability when the truck is being operated without a trailer, typically for owner-operators.
Uninsured/Underinsured Motorist Coverage:
- Purpose: Protects against damages and injuries caused by drivers who do not have sufficient insurance.
- Requirement: Often mandated by state law to include in the policy.
Medical Payments Coverage:
- Purpose: Covers medical expenses for the driver and passengers in the event of an accident, regardless of fault.
Pollution Liability Insurance:
- Purpose: Covers costs associated with pollution incidents, such as fuel spills.
- Application: Important for companies transporting hazardous materials.
Workers' Compensation Insurance:
- Purpose: Covers medical expenses and lost wages for employees injured on the job.
- Requirement: Mandatory in California for companies with employees.
Occupational Accident Insurance:
- Purpose: Provides coverage for independent contractors in case of work-related injuries or death.
- Application: Often used for owner-operators who are not covered by workers' compensation.
Additional Considerations
Additional Insured Endorsements:
- Purpose: Extends coverage to shippers, brokers, or other parties as required by contract.
Waiver of Subrogation Endorsements:
- Purpose: Prevents the insurer from seeking recovery from certain third parties for claims paid.
Cyber Liability Insurance:
- Purpose: Covers liability and costs associated with data breaches and cyber-attacks.
Employment Practices Liability Insurance (EPLI):
- Purpose: Covers claims related to employment practices, such as discrimination, harassment, and wrongful termination.
State-Specific Requirements for California
California Air Resources Board (CARB) Compliance:
- Purpose: Ensures compliance with state emissions regulations.
- Application: Requires documentation and adherence to emissions standards for trucks operating in California.
California Department of Motor Vehicles (DMV) Filings:
- Purpose: Registration and compliance filings for commercial vehicles.
California Public Utilities Commission (CPUC) Filings:
- Purpose: Required for certain types of commercial transportation operations.
Heavy Vehicle Use Tax (HVUT):
- Purpose: An annual tax on heavy vehicles operating on public highways, filed using IRS Form 2290.
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