So you’ve finally decided to use commercial truck insurance for your business’ fleet of vehicles. Good choice. Not only will you have greater protection for your trucks and drivers, but you will also get to protect your business name as well. However, choosing this type of insurance is as tricky as any other type of insurance. To help you get the best choice among the available options, here are some things to consider on buying that policy.
Understand the Coverage Provided
Commercial auto insurance works like your personal car policy. It offers standard coverage such as collision and comprehensive, as well as liabilities and motorist protection. However, one thing that differs commercial truck insurance from the normal auto plan is that 1.) You can use this for a whole fleet of trucks instead of one car and 2.) You will only provide less information as you would for a personal auto policy.
Special Coverage for Your Truck
It’s good to know that there are special protection plans for your commercial truck in Flat Rock. These coverage includes business-related services that will protect your auto; something more than the standard policy provides. If you are will to invest for further coverage for your trucks, this is one thing to consider. For one, Motor Truck Cargo offers protection against lost, stolen or damaged cargo during transit. Trailer Interchange protects the insured vehicles against potential losses to non-owned trailers. Non-Trucking liability offers protection to those who are permanently leased to an ICC-standard carrier.
Know What Type of Trucks Are Covered
No matter what kind of truck you own, you need this type of insurance in order to drive them. This means that your regular car insurance policy won’t cut it. Just like cars, there are many types of commercial trucks. This include dump trucks, tow trucks, tractor-trailers, straight trucks and pickup trucks. Well, commercial truck insurance covers all of these vehicles. It’s a type of plan that can be purchased for a single company truck, or for dozens of them.
There are so many advantages in choosing commercial truck insurance over any type of vehicle insurance for your business fleet. Talk to your agent to see which plan works best for your vehicles. If you are still looking for a great insurance company here in Michigan, you can start with Frost & Remer.