{"id":351,"date":"2021-11-16T16:52:32","date_gmt":"2021-11-16T16:52:32","guid":{"rendered":"http:\/\/www.dealerfireblog.com\/allstatepeterbilt\/?p=351"},"modified":"2023-10-17T19:11:26","modified_gmt":"2023-10-17T19:11:26","slug":"what-are-the-different-types-of-commercial-truck-insurance","status":"publish","type":"post","link":"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/","title":{"rendered":"How Insurance Affects Commercial Truck Drivers"},"content":{"rendered":"<p><span style=\"font-weight: 400\">Commercial truck insurance, like regular car insurance, can help protect you in the event you\u2019re involved in an accident or your vehicle is damaged. You\u2019ll need to shop for this type of insurance if you <\/span><a href=\"https:\/\/www.allstatepeterbilt.com\/blog\/buy-or-lease-a-semi\/\"><span style=\"font-weight: 400\">own or lease a truck<\/span><\/a><span style=\"font-weight: 400\"> or you\u2019re running a business with a fleet of trucks and drivers. <\/span><br \/><!--more--><\/p>\n<p><span style=\"font-weight: 400\">Keep reading to learn a bit about <\/span><a href=\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\"><span style=\"font-weight: 400\">commercial truck insurance coverage<\/span><\/a><span style=\"font-weight: 400\"> so you\u2019ll have a better idea of what you need to do to properly insure your semi before you hit the road. <\/span><\/p>\n<h3>Commercial Semi Truck Insurance: The Basics<\/h3>\n<p><span style=\"font-weight: 400\">With the right commercial semi truck insurance, you can rest assured that you\u2019ll have coverage specifically designed for drivers like you.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">There are different levels and <\/span><a href=\"http:\/\/www.allstatepeterbilt.com\/blog\/types-of-semi-truck-insurance-coverage\/\"><span style=\"font-weight: 400\">types of trucking insurance<\/span><\/a><span style=\"font-weight: 400\">. Ultimately, what you need might depend on where you work, the type of trucking job you have, the type of cargo you transport, laws and requirements, and more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Here are some of the many options to consider:<\/span><\/p>\n<ul>\n<li><strong>Primary liability<\/strong> &#8211; If you&#8217;re in an accident, this type of insurance can help cover the cost of the damage you cause to people and property.<\/li>\n<li><strong>General liability<\/strong> &#8211; If you want more protection for your trucking business, this type of insurance is worth looking into.\u00a0<\/li>\n<li><strong>Cargo<\/strong> &#8211; In the event that your cargo is damaged, such as during a storm or in an accident, this type of insurance can be there to help.<\/li>\n<li><strong>Physical damage<\/strong> -If your truck is damaged, this type of insurance can help cover the cost of replacement or repairs.<\/li>\n<li><strong>Bobtail<\/strong> &#8211; If you&#8217;re driving your truck without a trailer attached (a.k.a. bobtailing), this type of insurance can help cover you if you&#8217;re involved in an accident.<\/li>\n<li><strong>Uninsured motorist<\/strong> &#8211; This coverage can be helpful if you&#8217;re in an accident with someone who is underinsured or uninsured.<\/li>\n<\/ul>\n<h4>Commercial truck insurance requirements<\/h4>\n<p><span style=\"font-weight: 400\">What kind of insurance do you need for a semi truck? Well, the goal is to get the right amount of coverage for your peace of mind, but you also need to meet legal requirements for working as a trucker on the open road.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Remember, with the appropriate policy in place, you\u2019ll be protected as a driver, your truck and cargo will be protected, and if you own a business, it will be covered as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">Typically, you can begin with primary liability insurance as your base and then work from there, adding on more insurance, such as physical damage insurance, as you see fit. That way, you can be covered if you\u2019re responsible for causing harm or doing damage to others and their property, and you can be covered against damage to your property as well. <\/span><\/p>\n<h3>How Much Is Insurance on a Semi?<\/h3>\n<p><span style=\"font-weight: 400\">When shopping for high-quality insurance for truck drivers, don\u2019t be surprised if you come across some high prices.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">The overall cost may depend on several factors, such as where you\u2019re located, the type of <\/span><a href=\"https:\/\/www.allstatepeterbilt.com\/all-trucks\"><span style=\"font-weight: 400\">truck<\/span><\/a><span style=\"font-weight: 400\"> and cargo you need to insure, your record as a driver, and whether you run a business with a fleet of vehicles or you\u2019re working independently.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">For example, a primary liability policy and physical damage insurance might cost thousands. And if you\u2019re adding general liability or bobtail insurance, you might need to pay a few hundred more for each of these levels of coverage.<\/span><\/p>\n<h3>What is the Best Commercial Truck Insurance?<\/h3>\n<p><span style=\"font-weight: 400\">There are multiple trucking insurance providers you can turn to when you\u2019re ready to get the coverage you need for all of your <\/span><a href=\"https:\/\/www.allstatepeterbilt.com\/commercial-trucks\"><span style=\"font-weight: 400\">commercial trucks<\/span><\/a><span style=\"font-weight: 400\">. Shop around to compare rates so you can find the ideal policy at a price that fits your budget. Then, you can get on the road with greater confidence and security, knowing your insurer will provide you with much-needed support if you ever need it. <\/span><\/p>\n\n\n<hr class=\"wp-block-separator has-css-opacity\" \/>\n\n\n\n<p>Sources:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.merchantmaverick.com\/understanding-commercial-truck-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.merchantmaverick.com\/understanding-commercial-truck-insurance\/<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.cdl.com\/trucking-resources\/experienced-truck-drivers\/commercial-truck-driver-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.cdl.com\/trucking-resources\/experienced-truck-drivers\/commercial-truck-driver-insurance<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.caranddriver.com\/car-insurance\/a36320549\/truck-insurance-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.caranddriver.com\/car-insurance\/a36320549\/truck-insurance-cost\/<\/a><\/p>\n\n\n\n<p><em>Updated: November 16, 2021<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Commercial truck insurance, like regular car insurance, can help protect you in the event you\u2019re involved in an accident or your vehicle is damaged. You\u2019ll need to shop for this type of insurance if you own or lease a truck or you\u2019re running a business with a fleet of trucks and drivers.<\/p>\n","protected":false},"author":1,"featured_media":1307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"What are the different types of commercial truck insurance? Truck insurance is an important precaution most fleet owners should consider.\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the different types of commercial truck insurance?\" \/>\n<meta property=\"og:description\" content=\"What are the different types of commercial truck insurance? Truck insurance is an important precaution most fleet owners should consider.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Allstate Peterbilt Group\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-16T16:52:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-17T19:11:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn-ds.com\/blogs-media\/sites\/669\/2021\/11\/17191119\/calculator.pen_.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"629\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\">\n\t<meta name=\"twitter:data1\" content=\"3 minutes\">\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/#website\",\"url\":\"https:\/\/www.allstatepeterbilt.com\/blog\/\",\"name\":\"Allstate Peterbilt Group\",\"description\":\"Official Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.allstatepeterbilt.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/cdn-ds.com\/blogs-media\/sites\/669\/2021\/11\/17191119\/calculator.pen_.png\",\"contentUrl\":\"https:\/\/cdn-ds.com\/blogs-media\/sites\/669\/2021\/11\/17191119\/calculator.pen_.png\",\"width\":1200,\"height\":629},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/#webpage\",\"url\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\",\"name\":\"What are the different types of commercial truck insurance?\",\"isPartOf\":{\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/#primaryimage\"},\"datePublished\":\"2021-11-16T16:52:32+00:00\",\"dateModified\":\"2023-10-17T19:11:26+00:00\",\"author\":{\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/#\/schema\/person\/4a015fb239678798a9f156ccdcb6d9c0\"},\"description\":\"What are the different types of commercial truck insurance? Truck insurance is an important precaution most fleet owners should consider.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"item\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/\",\"url\":\"https:\/\/www.allstatepeterbilt.com\/blog\/\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"position\":2,\"item\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\",\"url\":\"https:\/\/www.allstatepeterbilt.com\/blog\/what-are-the-different-types-of-commercial-truck-insurance\/\",\"name\":\"How Insurance Affects Commercial Truck Drivers\"}}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/#\/schema\/person\/4a015fb239678798a9f156ccdcb6d9c0\",\"name\":\"Admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.allstatepeterbilt.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/115586f809dce898c2e47e3cedf57ea2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/115586f809dce898c2e47e3cedf57ea2?s=96&d=mm&r=g\",\"caption\":\"Admin\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/posts\/351"}],"collection":[{"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/comments?post=351"}],"version-history":[{"count":1,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/posts\/351\/revisions"}],"predecessor-version":[{"id":1308,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/posts\/351\/revisions\/1308"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/media\/1307"}],"wp:attachment":[{"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/media?parent=351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/categories?post=351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allstatepeterbilt.com\/blog\/wp-json\/wp\/v2\/tags?post=351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}