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Question for owner operators. Need some advice about insurance

Discussion in 'Ask An Owner Operator' started by amrogers3, Sep 19, 2020.

  1. Sep 19, 2020 #1
    amrogers3

    amrogers3 Bobtail Member

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    [​IMG]
    Been trying to determine supplemental insurance coverage. How much I need and who I should use.

    I have two trucks registered to an LCC. Those two trucks are leased to another company who pays insurance. They have a $1,000,000 policy through Lloyds of London. But do I need to also get additional insurance on my LLC? Or am I covered 100% through the company I lease the trucks to?
     
    amrogers3, Sep 19, 2020
    amrogers3, Sep 19, 2020
    #1
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  3. Sep 19, 2020 #2
    Rideandrepair

    Rideandrepair Road Train Member

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    The 1 mil Public Liability coverage that the Company provides, should be plenty, you’re covered by that while under a load, or empty. Only other insurance would be your Non-Trucking ( bobtail) Insurance, to cover personal use of Truck. Other optional insurance would be any Collision, theft, fire, for the Trucks.
     
    Rideandrepair, Sep 19, 2020
    Rideandrepair, Sep 19, 2020
    #2
    GoBucks43228 Thanks this.
  4. Sep 19, 2020 #3
    amrogers3

    amrogers3 Bobtail Member

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    Who do you recommend getting insurance through?
     
    amrogers3, Sep 19, 2020
    amrogers3, Sep 19, 2020
    #3
    Rideandrepair Thanks this.
  5. Sep 19, 2020 #4
    Rideandrepair

    Rideandrepair Road Train Member

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    Great Western, Northland, Progressive,in that order, have to Shop prices, making sure each policy offers the same coverage, Those three are only ones that come to mind.
     
    Rideandrepair, Sep 19, 2020
    Rideandrepair, Sep 19, 2020
    #4
    GoBucks43228 Thanks this.
  7. Sep 20, 2020 #5
    MTN Boomer

    MTN Boomer Road Train Member

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    You may be able to get that coverage through the company you are leased to. However I have always had that coverage separate from the company
     
    MTN Boomer, Sep 20, 2020
    MTN Boomer, Sep 20, 2020
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    Rideandrepair Thanks this.
  8. Sep 20, 2020 #6
    86scotty

    86scotty Road Train Member

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    Commercial Insurance Solutions in Ohio can help you. Not affiliated, just a very happy customer.
     
    86scotty, Sep 20, 2020
    86scotty, Sep 20, 2020
    #6
    GoBucks43228 and Rideandrepair Thank this.
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