Commercial trucking is the backbone of almost every industry, allowing products to quickly move across town or to the other side of the country. However, transportation can expose business owners to expensive liability suits if a driver causes an accident in which someone is injured. Commercial truck insurance provides an umbrella of protection, insulating you from risks that your general liability policy doesn’t cover.

Is Commercial Truck Insurance Necessary? 

Higher Liability Claims

Even when not fully loaded, commercial trucks weigh tens of thousands of pounds, making them the largest vehicles on the road. Due to their size, even a minor collision can cause damage, potentially leading to injuries that might require expensive hospital bills. Without adequate truck insurance, the resulting liability suit could be costly for your business.

Legal Requirements

The Department of Transportation requires trucking companies or businesses that operate their fleet to carry a minimum amount of insurance. The mandated limits depend on the size of the vehicle and the type of cargo you transport, but most are required to have at least $750,000 in liability coverage. However, that may not be enough to cover the damages of a serious accident, so you may want to consider extending the limits on your policy.

Coverage for Legal Fees

Many commercial trucking accidents are caused by irresponsible drivers, who then try to blame the truck driver. Defending your company against spurious liability claims can be expensive, draining your resources and affecting your business for years to come. Fortunately, your truck insurance policy will cover your legal fees, as well as the value of the claim if the court rules against you.

For over 30 years, businesses throughout Dumas and Moore County, TX, have relied on C.I.S. - Crop Insurance Solutions, LLC to protect the value of their investments. As an independent, Trusted Choice® agency, they work with a broad range of carriers and have affordable options for businesses of every size. To speak with an agent and request your free truck insurance quote, visit their website or call their offices at (806) 935-6512.