Trucking Insurance

YOUR COMMERCIAL TRUCKING
INSURANCE SPECIALISTS

Artisan Insurance Inc. specializes in trucking insurance! We understand the unique challenges and risks that trucking businesses face, and we tailor insurance policies specifically to the needs of each individual trucking company.

Artisan Insurance Inc. offers a wide range of coverage options to protect your trucking business. This includes coverage for liability, cargo, physical damage, and more. We understand that every trucking operation is different, and we can customize policies to suit your specific requirements.

PRIMARY LIABILITY

Primary liability insurance in the context of trucking insurance specifically addresses the legal requirements and liabilities associated with the operation of commercial trucks, tractor-trailers, and other large vehicles used for transporting goods. Primary liability policies come with coverage limits, specifying the maximum payout per claim, typically $1 million or $2 million. Trucking companies customize coverage to suit their unique needs, considering factors like cargo types, routes, and operational characteristics.

PHYSICAL DAMAGE

Physical damage coverage within a trucking insurance policy safeguards commercial vehicles from various physical harm or damage. This protection consists of two primary types: Collision Coverage: This covers damages stemming from collisions with other vehicles or objects, such as poles, guardrails, or buildings. Comprehensive Coverage: Often referred to as “other than collision” coverage, this safeguards against non-collision-related incidents, including theft, vandalism, fire, hail, floods, or falling objects.

CARGO INSURANCE

Cargo insurance protects against damage, loss, or theft of goods during transportation. It covers a wide range of cargo types and can be customized to specific needs.

  • Many cargo categories available
  • Limits up to $250,000
  • Deductibles from $0 to $5,000
  • Reefer Breakdown

TRUCKERS GENERAL LIABILITY

CGL guards you, your business, and your employees from claims involving bodily injury or property damage resulting from your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts.

  • Limits up to $10 Million
  • Low Premium Cost
  • Additional Insureds Available

OCCUPATIONAL ACCIDENT

Occupational accident coverage in the trucking industry is an insurance policy designed to provide financial protection and support to truck drivers who are classified as independent contractors or owner-operators rather than traditional employees. It is not workers’ compensation insurance but serves a similar purpose by offering coverage for work-related injuries and accidents.

TRUCKERS WORKER'S COMPENSATION

Workers’ compensation coverage is specifically for employees in the trucking industry, including truck drivers, loading and unloading personnel, and administrative staff. It typically does not cover independent contractors or owner-operators. This coverage applies to injuries or illnesses that occur as a direct result of job-related activities.