Trucking Insurance in Franklin, TN
Trucking insurance encompasses a variety of coverages designed to protect different aspects of your business. Here are some key components:
- Liability insurance—This coverage is essential as it can help pay for damages or injuries you may cause to others while operating your truck. It generally includes bodily injury and property damage liability. Your trucking company is likely subject to state and federal liability insurance regulations. Your agent can help you get appropriate coverage for your situation.
- Physical damage coverage—This type of insurance can cover the repair or replacement of your truck if it is damaged in an accident, fire, theft or other covered event. It typically includes collision and comprehensive coverage.
- Cargo insurance—Protecting the goods you transport is crucial. Cargo insurance can help cover the value of the freight you are hauling in case of damage or loss due to accidents, theft or other perils.
- Bobtail insurance—Also known as non-trucking liability insurance, this coverage can protect you when you are driving your truck without a trailer, such as when returning home after a delivery.
- Uninsured/underinsured motorist coverage—This insurance can protect you if you are involved in an accident with an at-fault driver who does not have sufficient insurance to cover the damages.
Choosing the Right Insurance Provider
When selecting a trucking insurance provider, consider the following factors:
- Reputation—Look for an insurer with a strong reputation for reliability and customer service.
- Coverage options—Ensure that the provider offers a range of coverages that meet your specific needs.
- Claims process—A straightforward and efficient claims process can make a significant difference when you need to file a claim.
- Cost—While cost is an important factor, it should not be the only consideration. Your agent can help you get coverage at favorable rates.
Contact Us
Contact Allee Agency, Inc., for a personalized trucking insurance quote.