Commercial Truck Insurance Calculator

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When a commercial truck has an accident, the trucking company needs to be insured to protect themselves from four distinct types of claims.  A single accident is likely to result in damages for each of these four categories, making it monumentally important that a truck insurance company is fully covering each category of claims.

Liability Insurance
Truck liability insurance covers the damage that is done to the other party.  If a tractor trailer damages a delivery dock while dropping off a load, payment will be made to the shipment receiver for repairs.  If a truck strikes another vehicle, the insurer will pay for the repairs required by the other vehicle.  If a pedestrian or a driver in another vehicle is hurt by your truck, the insurance company will pay for the medical bill.

Cargo Insurance
If a tractor trailer carrying a load of fine china gets jostled and partially destroyed while going over a curb, it’s good to have cargo insurance coverage.  Likewise, if the trailer is broken into and some of the shipment is stolen, the truck insurance agents will be writing the check, and not you.

Physical Damage Insurance
There are plenty of ways a semi truck can be damaged that will result in a hefty repair bill.  Getting backed into at a truck stop, damage from hail or flash floods, and arson are all events that are out of your control but can still sink your business.  Tractor trailer insurance that doesn’t include physical damage coverage will leave a major gap in your protection.

Workers’ Compensation and Medical Insurance
Accidents or illnesses will result in medical bills and recovery time.  A company that doesn’t have coverage for employee injury is leaving out an important aspect of insurance coverage and missing a strong recruitment tool.

Bobtail Insurance and Non-Trucking Liability Insurance
Keeping your vehicle protected when it is not under dispatch or not pulling a trailer is an essential part of a semi truck insurance plan. These policy types will keep your vehicle covered in the few situations that aren’t covered by the previously mentioned insurance policies, and the additional coverage tends to be very inexpensive.

Finding the Best Price
Getting commercial truck insurance quotes can take longer than your typical car policy. Due to the additional details that factor into calculating premiums, you can expect an accurate quote to take approximately 15 minutes. Call as many commercial truck insurance companies as you have the stomach for, but make sure to speak with no less than three. Premiums vary a surprising amount between agencies, and taking the first offer will likely mean that you are overpaying.

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3 comments. Add a comment.

  1. Jim Yant says

    Looking for pilot car insurance. Been in pilot car business for 3 years. Had commercial truck since the late 1960’s. Sold off the trucks & trailer about 4 years ago. At this time I’m covered until 05/11/14. Would like a quote. Thanks

  2. Imari Fletcher says

    I recently purchased insurance through Shelter Insurance, to find out two weeks later that they have not filed my insurance to Washington due to them only covering trucks within a 200 mile radius. This information was not told too me by my agent at the time of purchase of the policy.

  3. Miles says

    I sold my ranch and moved to WA but kept my Hino FA flatbed truck. It was insured under a larger ranch policy, but now it seems the typical insurance company does not know what this truck is. It is no different than a Dodge, Chev or Ford dually (14K gvw) but no one claims to have ever seen one! Much less been asked to provide insurance.

    I have owned it since new and have averaged only 8000 miles/yr, with no accidents.

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