Trucking insurance is not just necessary, it is crucial if your company relies on trucks, whether it be a single rig or a fleet. Without the proper coverage, accidents, cargo loss, malfunctions, and liability claims can easily shut down your business.
Trucking Insurance: What Is It?
For companies that use heavy-duty vehicles for logistics, freight, or delivery, trucking insurance is a specific kind of commercial motor insurance. It provides protection for the business, the driver, the cargo, and the vehicle itself.
Important Topics to Think About
Principal Liability
covers other people’s property damage or physical harm if you are at fault.
Physical Injuries
covers the cost of replacing or repairing your truck in the event of a collision, theft, vandalism, or bad weather.
Motor Truck Cargo provides coverage for your cargo in the event that it is stolen or destroyed.
Liability in General
provides additional safety for your non-driving operations, such as loading docks and client locations.
Bobtail’s non-trucking liability insurance covers use of the truck for non-business reasons.
Trailers that you are hauling under contract but do not own are covered under Trailer Interchange.
Local Considerations for Oklahoma Trucking Insurance
Trucks travel along Oklahoma’s main highways (I-35, I-40, and I-44). This implies:
Enhanced vulnerability to accidents
DOT scrutiny is high.
Risks of hail and storms
We can customize policies to satisfy state and federal filing requirements, such as ICC/MC, Form E, and others, because we are familiar with the trucking industry in Oklahoma.
Strategies to Reduce Premium Costs
Set up dash cams and GPS.
Maintain a spotless driving record.
Keep your equipment in good working order.
Shop with several carriers by collaborating with an independent broker like us.
We Make Things Simple
Quick estimates, affordable prices, and informed assistance for trucking companies are our specialties at OKC Insurance Brokers.
We can help you whether you run a fleet, are an owner-operator, or are a new business.
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📞 405-509-9433 Office
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