Trucking Insurance Is a Requirement

If you run a trucking company in Louisville, or if you are an owner-operator of a truck, you must have trucking insurance that meets Kentucky and often federal requirements. The type and amount of trucking insurance you carry depends on multiple factors:

• Whether you are an owner-operator or manage a fleet of trucks
• The type of truck(s) in question
• Where you operate and mandatory filings
• What kind of cargo you transport (hazardous materials, refrigerated food, etc.)

Without the appropriate insurance, your business — no matter what size it is — could go under after a bad accident. If you’re caught operating without the minimum required insurance, you are in violation of the law.

Truck Drivers and Trucking Companies Have Many Insurance Needs

Every trucking company is unique, so your insurance needs can vary widely with your business model. However, every truck must have primary liability to start, just like business delivery vans or sales vehicles carry. This protects you if someone else is injured in an accident, so their medical care and related expenses don’t come out of your pocket after what is usually a lengthy legal process.

Other types of insurance you may need or may be required to have include:

• General liability - broader coverage than primary liability and includes property damage and load delivery mistakes
• Physical damage - covers your truck(s) in the event of collision, vandalism, theft, and natural disasters
• Bobtail - for when the driver is driving a truck off duty
• Motor truck cargo - insures cargo if it is lost or damaged
• Rental reimbursement - handy if a vehicle is inoperable during repairs
• Trailer interchange - for trailers pulled as part of a trailer interchange agreement
• Medical payment - covers the driver when they are driving or a passenger in their truck
• Uninsured motorist coverage - if a truck driver is hit by someone without insurance
• Reefer breakdown - covers damage or loss of cargo for refrigerated items
• Roadside assistance - provides help if you are stranded due to a breakdown or run out of gas

We Can Tailor Trucking Insurance to Your Business

Our independent agents have many trucking insurance products, so we can customize a policy to your business. Our personalized service philosophy means we take the time to learn about your trucking business in Louisville first, so you don’t wind up with gaps in your coverage.

To learn more or to start a policy, call Old Kentucky Insurance at 502-451-8800. Or reach out online any time at your convenience.

Get a Free Trucking Insurance Quote