Trucking Insurance – UA Insurance Agency

Auto liability insurance is one of the most critical things a trucking company needs. When a trucker gets behind the wheel of a big rig, they take on a huge responsibility. If they have an accident, they will not only cause injury to a person and damage to their car; they might cause a major highway disaster, extensive damage to the property of several people, environmental damage, and death.

Motor Truck Cargo is insurance against loss from legal liability for damage to goods or merchandise in the insured’s care and custody in the ordinary course of transit and includes coverage for debris removal, earned freight and refrigeration breakdown.

Commercial general liability (CGL) insurance is a type of policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.

General Liability can be purchased in conjunction with Primary Liability at substantial savings on your premium.

Non-Trucking Liability provides liability coverage while the truck is being operated for personal convenience, outside the scope of the motor carrier’s control or direction, and with no economic benefit to the owner-operator or the lease company.

For example, this coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.

Physical Damage means any tangible injury to a Property or any Environmental Condition, whether caused by accident, natural occurrence, or any other reason.

An occupational accident is considered to be any accident experienced by a worker during and due to the performance of their employment contract, and which causes injury. An occupational accident is also any accident that occurs on the way to or from work.