You Must Carry Minimum Trucking Insurance

Regardless of the size of your Elanger trucking business, even if you are a sole owner-operator, you must have at least the minimum required trucking insurance. The minimum requirement for the state of Kentucky and the federal government can vary depending on several factors:

• If you have a fleet or just one truck
• The size and type of trucks you drive
• Where you drive
• The type of cargo transported
• Mandatory filings for all of the above

It is against the law to operate a truck without the proper insurance. Your business could shutter its doors if you are stopped by law enforcement or are in an accident without at least the minimum insurance.

Truck Drivers and Trucking Companies Have Many Insurance Needs

As mentioned above, there are various factors that determine what kind of insurance you should have. Your policy starts with primary liability, which all trucks must carry, just like drivers of cars or business small vehicles. Otherwise, you could be on the hook for expenses incurred if someone is hurt in an accident and has large medical bills.

After that, there are other kinds of trucking insurance, both mandatory and voluntary, depending on your business:

• General liability - goes beyond primary liability and covers load delivery mistakes and property damage
• Physical damage - protects your truck(s) in case of natural disasters, collision, theft, or vandalism
• Bobtail - protects drivers when driving off duty
• Motor truck cargo - protects cargo against loss or damage
• Rental reimbursement - covers the cost of renting another truck while your truck is in the shop for repairs
• Trailer interchange - essential if you have a trailer interchange agreement
• Medical payment - covers care of a driver or passenger if they’re injured in their own truck
• Uninsured motorist coverage - provides protection when hit by another motorist without insurance
• Reefer breakdown - protects refrigerated items in transit, like food and floral products
• Roadside assistance - gets you help after a breakdown that leaves you stranded

We Can Tailor Trucking Insurance to Your Business

Because we’re independent and not tied to a big insurance company, our independent agents can customize a trucking insurance policy specifically for your Erlanger business. We’ll ask a lot of questions about your business, so you’re sure to get the coverage you need without paying for insurance you don’t need.

If you have questions about trucking insurance or want to start a policy, call Old Kentucky Insurance at 502-451-8800 today. Or use our handy contact form to start the conversation online any time that’s convenient for you.

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