At Strong Tie Insurance, we understand the daily risks you face as a specialty vehicle and trucking operator. That’s why we have developed a reliable commercial truck insurance program designed to meet your specific truck insurance needs while saving you substantial premium dollars.
We offer comprehensive commercial truck insurance quotes in California. It’s vital for your commercial truck business to secure the appropriate truck insurance coverage—and fast. Contact us today!
Do you know if your trucking business is up-to-date with important state and federal insurance filings? Contact our professional team for more information about commercial auto insurance.
Every business owner can now get comprehensive insurance coverage. Reach out to us to get an insurance quote and learn about our business experience discount, declarations page, trailer interchange, logging device, add-on, rental reimbursement policy, and other discounts and policy options.
Here at Strong Tie Insurance, we specialize in offering affordable, personalized, and comprehensive commercial trucking insurance coverage options. We can help you tailor and select the trucking insurance coverage options that are the most suitable for you, from owner-operators to fleet accounts. We will help you navigate your commercial trucking insurance policies from start to finish.
Our commercial truck insurance coverage options include:
Our team aims to take the hassle out of securing effective commercial truck and vehicle insurance coverage.
We can offer you and your truck Annual Road Side Assistance for $149 per year. Visit our website and contact us today!
We offer our trucking insurance service to various types of motor carriers and vehicles. The types of commercial trucks that are commonly insured includes:
You don’t need to worry about your truck, repair shops and your products now. Our trucking insurance company has got you entirely covered. Our auto policy differs from other truck insurance companies as we cover every sort of commercial truck physical damage to make sure we meet our clients’ needs each and every time!
Our commercial trucking insurance company offers a variety of insurance coverage options to personalize your protection. These liability policies are required by law, from either a single truck to even a wide fleet. People who may need truck insurance include:
Visit our website and contact us to get your truck insurance quote! Every policy and service we offer will fulfill your needs and coverage concerns entirely. Business owners can now have the authority to drive safely and feel protected!
We virtually cover every industry that uses commercial trucks in their trade. These are just a few of the industries we cover:
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From our locations in California and Florida, we offer a wide variety of trucking liability insurance options in six different states. Contact us today!
To get started, call our team now at (844) 961-6161 or Contact us today! By filling out our contact form from our website or getting in touch with our customer service to get more information about our commercial vehicle insurance service or request a free vehicle/car insurance quote. Get quote from home.
You may need your driver’s license, driving records, or driving history to follow our insurance policy requirements. According to the type, our employees will facilitate your personal auto vehicle and share the best options and discounts for the most suitable coverages for you.
As a top commercial truck insurance company, our expert team at Strong Tie Insurance will work closely with you to make sure that you get the types of insurance that will protect both your truck drivers and vehicles alike.
As a truck insurer, you must know that there are a variety of factors that impact your commercial trucking insurance cost.
If you are a new commercial trucking company, you can expect to pay between $12,000 and $18,000. In some cases, commercial truck insurance prices could be as high as $30,000.
Suppose you are an owner-operator that is leased onto a motor carrier, the national average commercial truck insurance costs between $2,000 and $4,000. Contact us today!
The term “full coverage” doesn’t necessarily describe a specific type of commercial truck insurance.
Usually, this means a truck insurance policy that has the required liability insurance and contains comprehensive and collision coverage.
The comprehensive commercial truck policy helps repair or replace your commercial truck if it’s stolen or damaged products by acts of nature or vandalism.
Having collision coverage in your commercial truck insurance policy can repair or replace your commercial truck if it’s in an accident with another object. Alternatively, full truck coverage often depends on the kind of vehicles or trucks you are insuring as well and the products involved.
The most common trucking coverage costs for commercial vehicles cost between $75 and $150 per month for cars and between $130 and $400 for commercial trucks.
Of course, full insurance commercial coverage for your truck or vehicle might include additional types of insurance, which also impacts the total price. Contact us today!
Commercial trucking insurance protects heavy automotive and transport businesses. Depending on the type and number of vehicles, type of route frequented, and kind of cargo—a business may need basic and additional trucking insurance coverage:
General Liability Insurance
This is also called public liability insurance and is usually required by most states. It covers property damage and physical injuries resulting from day-to-day operational activities, excluding road accidents.
Workers’ Compensation Insurance
Worker’s compensation is also mandated by the states. It covers employees’ medical bills and lost wages in case of work-related injuries. It can be used when an employee gets injured or sick from loading cargo or is exposed to a hazardous chemical.
Trucking Liability Insurance
Trucking liability insurance covers physical injuries and property damages incurred from truck driving or operation. Each state requires a minimum amount of coverage for trucking businesses:
Motor Truck Cargo Insurance
This type of trucking insurance covers the items loaded on a truck in case they get damaged, lost, or wrongly delivered.
Physical Damage Insurance
This covers damages and repairs to the truck caused by accidents, natural disasters, theft, and vandalism. It has two types:
Non-Trucking Liability Insurance
Non-Trucking Liability Insurance is an extension of trucking liability coverage. It covers bodily injuries and damages, i.e., medical bills, replacements, and repairs, that happen to other people when a truck is out for non-business-related purposes.
This type of trucking insurance applies to drivers leasing from a motor carrier.
This is a type of liability insurance that covers the driver and the truck when it is out for business but not hauling cargo, as in being outside the fetching and delivering shipment window. Some motor carriers require leased drivers to carry this type of insurance.
Trucking insurance premiums are usually expensive. Here are the most common factors affecting their rates:
When a truck is involved in an accident and needs to be replaced, insurance companies often have to pay more than they would for a car. Accidents are just among the many reasons why it is more expensive to insure.
When driving in low-clearance areas, trucks can be wrecked, and because they are more difficult to manage, they are more likely to hit something than a standard passenger car.
If a trailer truck hits another motorist in an auto accident, the likelihood that the car driver incurs serious injuries is high. As a result, insurance companies consider trucks and their drivers at a higher risk.
A regular pickup truck can inflict a lot of damage when in an accident due to its huge size and heavyweight. In an unfortunate incident, the damage may result in large damage to property claims.
Trucks often drive on off-roads. This can cause damage to them that your commercial insurance company will eventually have to cover.
It’s not always easy to lower trucking insurance premiums, but there are ways to maintain a minimum coverage:
Experienced truck drivers can better deal with difficult working conditions and so, insurance providers consider them less risky than newbies. Thus, they are more willing to issue lower premiums.
The same goes for truck drivers with clean driving records or with those two minor moving violations in three years, at most.
The routes on which trucks drive affect trucking insurance premiums. Roads away from high-population cities, not often affected by natural disasters, or that do not have rocky surfaces demand less insurance protection.
The price, condition, and age of a truck also impact its insurance premium. Older models require more maintenance and/or repair, demanding more coverage as well. Stick to using trucks that are 10 years old at most.
You can opt for a higher deductible to get a lower premium, but it will require larger upfront costs if an accident happens.
Review your insurance policy first before proceeding with this. Not all coverages are created the same, and you can end up paying more in the end with a deductible adjustment.
The simple answer is yes, but the required types of insurance differ based on authority.
They are covered under the trucking company’s auto liability insurance. It insures third-party property damages and injuries incurred from an accident caused by the motor carrier.
Leasing owner-operators can also purchase additional coverage to extend what their policies protect. Some of the recommended insurance types are:
Truckers with their own authority need auto liability insurance. The required limit starts at $750,000 but can go as high as $1 million. They should also consider purchasing general liability, physical damage, and cargo coverages.
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