Truckers Insurance

Truckers insurance is very different from auto insurance and so the two should not be confused. Truckers have unique insurance needs that an experienced insurance agent should be able to fill. Look for agents that have experience specifically in the trucking industry. It can make all the difference. There is a broad range of products that are available to truckers and some can be packaged together to give you the maximum discount.

Insurance for truckers isn't only limited to coverage for their rigs it can include many of the following options:

• AD & D insurance coverage
• Bonds
• Business insurance
• Cargo insurance
• Non-trucking liability
• Dental insurance
• Employee benefits
• Excess liability
• Garage owners'
• General liability
• Health insurance
• Life insurance
• Prescription drugs
• Occupational accident
• Personal auto insurance
• Personal liability
• Physical damage
• Property insurance
• Umbrella
• Workers compensation

For example cargo insurance covers your goods while in transit and that includes before they ever even reach you and your business. A good example is goods you have ordered for distribution that are arriving on an ocean cargo ship. The shipment is covered from when it hits the ships hold until it hits the floor of your establishment. You can also extend this to include warehousing and theft.

• Long-haul truckers
• Short-haul truckers
• Small fleets
• Midsize fleets
• Large fleets
• Very large fleets
• Logging, sand and gravel haulers
• Dump trucks

American Agent and Broker magazine suggests the following insurance providers:

Arlington Roe & Co. Inc.
Insurer(s): Canal Insurance, National Indemnity, Stratford Insurance, Lloyd's, Carolina Casualty. Coverages available: Auto (truck) liability, trailer interchange insurance, nontrucking use, physical damage, motor truck cargo, umbrella/excess.
Maximum liability limits: $5 million.
Trucking classes written: Long-haul truckers, short-haul truckers, small fleets, midsize fleets, large fleets, very large fleets, logging, sand and gravel haulers, dump trucks.
Coverage available in: IL, IN, KY, MI, OH.
For more information: Joe Ricigliano, Arlington Roe & Co. Inc., Box 80803 , Indianapolis , IN 46280 . (800) 878-9891, Ext. 8611. Fax: (317) 554-8551. E-mail: jricigliano@arlingtonroe.com. Web site: www.arlingtonroe.com.

Russell Bond & Co. Inc.
Insurer(s): Various carriers rated A- or better.
Coverages available: Auto (truck) liability, trailer interchange insurance, physical damage, pollution liability for truckers, motor truck cargo, umbrella/excess.
Special coverage features: Hazardous auto premium starts at $50,000; all other truckers $100,000 except in PA, CT, where premiums start at $10,000.
Maximum liability limits: Up to $20 million.
Trucking classes written: Long-haul truckers, short-haul truckers, small fleets, midsize fleets, large fleets, very large fleets, hazardous waste haulers, hazardous materials haulers, trash haulers, garbage trucks.
Coverage available in: CT, NJ, NY, PA.
For more information: Derek Bucciferro, Russell Bond & Co. Inc., 295 Main St., #866 , Buffalo , NY 14203-2595 . (800) 333-7226, Ext. 138. Fax: (800) 677-6779. E-mail: dbucciferro@russellbond.com. Web site: www.russellbond.com.

Casualty & Surety Inc.
Insurer(s): St. Paul , Essex , Adriatic , Lloyd's, Admiral.
Coverages available: Physical damage, motor truck cargo, umbrella/excess.
Trucking classes written: Long-haul truckers, short-haul truckers, small fleets, midsize fleets, large fleets, very large fleets.
Coverage available in: All states.
For more information: Lamar Andrews, Casualty & Surety Inc., 100 Corporate Parkway, #350 , Birmingham , AL 35242 . (205) 995-0713, Ext. 117. Fax: (205) 995-0862. E-mail: landrews@csiapex.com. Web site: www.csiapex.com.