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trucking insurance

TRUCKING INSURANCE

Starting in the trucking business can raise questions about necessary insurance types to safeguard your operations. Insurance for trucking is crucial as it offers protection for yourself, your vehicles, and your freight in case of accidents or unforeseen events. Here’s a concise look at the various forms of trucking insurances and their coverage details.

Trucking Liability Insurance

Liability insurance is the most critical type of insurance, and it’s required by law in most states. This insurance covers damages you may be liable for if you cause an accident. There are two types of liability coverage: property damage liability and bodily injury liability. Property damage liability covers damages to someone else’s property, such as their vehicle or cargo. Bodily injury liability covers the medical expenses of anyone injured in an accident that you caused.

Trucking Cargo Insurance

Cargo insurance provides coverage for the loss or damage of goods during transportation. This protection is crucial because, in the event of a shipment being lost or damaged, you would otherwise be liable for the replacement costs. Additionally, cargo insurance safeguards you against theft of your goods. Most logistics companies require their operators to have this type of insurance.

Truck Physical Damage Insurance

Physical damage insurance provides protection for your vehicle against various incidents such as accidents, fires, theft, or vandalism. While this insurance is not mandatory, it is strongly advised due to the potential high costs of repairs. This coverage is divided into two categories: collision and comprehensive. Collision coverage takes care of damages resulting from a crash involving another vehicle or object. On the other hand, comprehensive coverage addresses other types of damage, including those from fire, theft, and vandalism.

In conclusion, Insurance Company Columbus Ohio is committed to providing our customers with reliable and comprehensive insurance solutions. We strive to simplify the process and ensure that our clients have a seamless experience. With our dedicated team and tailored policies, we are here to protect what matters most to you.

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