Commercial Trucking/Bob Foster Agency/AR, MO, & OK

Decisions on how to protect your Over the Road and Tow Trucks

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Coverage for Small trucking companies or individuals

If you are a small business with a few trucks, an owner-operator, small tow truck business or over the road operator getting the correct coverage for your vehicles is important.

HEAVY TRUCK BUSINESSES

General freight, Agriculture haulers, Dirt, sand & gravel, Coal haulers

Waste haulers, Loggers, Expediters, Refrigerated goods

Household movers, Escort services, Auto haulers

TRUCKS THAT KEEP BUSINESSES MOVING

Tractor/trailer combos, Straight trucks, Refrigerated trucks, Trailers

Flatbeds, Stake trucks, Log haulers, Roll-ons, Garbage trucks

Sprinter vans, Dump trucks

TOW OPERATORS

TOWING BUSINESSES*

Wreckers/tow trucks, Flatbed carriers, Rollbacks

Pickups with a fifth-wheel hitch

TOW TRUCK TYPES

Towing services

Auto repair and maintenance, Gas and service stations

Body shops, Auto salvage haulers

Physical Damage Coverage

General Coverages

Collision provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn. Collision coverage must be written with Comprehensive or Fire and Theft with CAC.

Comprehensive provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision. This includes damages due to fire, theft, vandalism, windstorm, or contact with an animal.

Fire and Theft with Combined Additional Coverages: provides coverage in the event of a loss or damage to an insured vehicle caused by a specific occurrence. The damage or loss must be caused by the following: fire, lightning or explosion; theft; windstorms or hail; earthquakes; flood or rising waters; vandalism; while being transported by a third party; or by a collision with an animal.

Comprehensive Only coverage is designed for seasonal businesses that do not operate year-round and store their vehicles for prolonged periods. Coverage protects vehicles in the event of damages due to fire, theft, vandalism, windstorm, or contact with an animal. Comprehensive Only coverage applies to all vehicles on a policy

PERSONAL INJURY PROTECTION COVERAGE (PIP) PIP coverage provides payments for appropriate benefits if an insured, or other persons covered under this policy is injured in an accident. PIP has three parts—(1) medical benefits: coverage for the cost of treatment the insured receives from hospitals, doctors, and other medical providers; (2) disability benefits: reimbursement for certain expenses that result from injuries, such as lost wages or any reasonable expenses incurred in obtaining services from others during a period of disability; and (3) death benefits: benefits payable if an insured dies because of bodily injury sustained in an accident.

Truck and Tow Coverages

MOTOR TRUCK CARGO LEGAL LIABILITY COVERAGE

Motor Truck Cargo provides liability protection for the property being transported by an insured vehicle. Coverage is for cargo that is lost or damaged due to:

* Theft

* Fire

* Collision

* Striking of a load

MOTOR TRUCK CARGO REFRIGERATION BREAKDOWN COVERAGE

Refrigeration Breakdown, an endorsement to Truck Cargo, provides legal liability protection for direct physical loss to covered property caused by spoilage or change in temperature resulting directly from the sudden and accidental breakdown of refrigeration or heating units on an insured vehicle

MOTOR TRUCK GENERAL LIABILITY COVERAGE (GENERAL LIABILITY)

General Liability provides liability protection on for-hire risks only for injuries or property damage sustained in the course of business while on premises, using products or services. It provides coverage for personal and advertising injury, in addition to products and completed operations coverage. Available Limits:

1,000,000 per occurrence/1,000,000 general aggregate

1,000,000 per occurrence/2,000,000 general aggregate

Coverage: - Products/Completed Operations

- Personal & Advertising Injury

- 100,000 Damage to Premises (rented to you)

- 5,000 Medical Expenses (per person)

- Provided on an occurrence basis

NON-TRUCKING LIABILITY COVERAGE (NTL)

NTL provides coverage to a customer using his or her listed vehicle for most non-business, personal use, if the customer is under permanent lease to a motor carrier that provides primary liability coverage. NTL coverage will not provide coverage when the customer is hauling any type of cargo, whether he or she is being paid or not, or coverage for any activities that may be deemed to benefit the motor carrier, including fueling up and dead-heading (driving without a load).

TRAILER INTERCHANGE COVERAGE

Trailer Interchange covers physical damage to any non-owned trailer while in the care, custody or control of the insured.

RENTAL REIMBURSEMENT WITH DOWNTIME COVERAGE FOR TRUCK

This coverage provides reimbursement for a maximum of 30 days for rental costs incurred to temporarily replace an insured vehicle due to a covered loss. Reimbursement is per loss, per vehicle, and is the lesser of the rental cost or the daily maximum limit.

EMPLOYER’S NON-OWNERSHIP LIABILITY COVERAGE (TRUCK)

Employer’s Non-Ownership provides excess liability coverage to an insured for employees using their own (unlisted) vehicles incidentally in the course of the named insured’s business.

ON-HOOK TOWING LEGAL LIABILITY COVERAGE

On-Hook Towing Legal Liability is a towing-specific coverage that provides Physical Damage (Comprehensive and Collision) coverage for towed autos and property in the insured’s custody and control. Coverage is provided for transmission/transaxle damage. The coverage provides protection to the named insured when found liable for damage resulting from a covered Comprehensive or Collision loss.

GARAGEKEEPERS LEGAL LIABILITY COVERAGE

Garagekeepers Legal Liability is a towing-specific coverage that provides Physical Damage (Comprehensive and Collision) coverage in the event of a loss to an insured’s customer’s vehicle left in the care, custody, and control of the insured while at a covered location or in transit between covered locations. A covered location must be listed on the policy. The coverage provides protection to the named insured when found liable for damage resulting from a covered Comprehensive or Collision loss.

TOWING SERVICES GENERAL LIABILITY COVERAGE (GENERAL LIABILITY)

General Liability provides liability protection for injuries or property damage sustained while on premises or while using products or performing services. It provides coverage for personal and advertising injury, in addition to products and completed operations coverage.

HOURS & LOCATION

Location

5006 SW Screech Owl Street

Bentonville, AR 72713

email: fosterinsurance@purpose-protect.com

Tel: 479-321-3993

Cell: 479-644-9801

Hours

Monday - Friday

8 am to 5 pm

Saturday

By Appointment

Evenings by Appointment

Additional Coverage Information

ADDITIONAL INSURED ENDORSEMENT

An additional insured is a listed person, entity or corporation who shares many of the rights of the named insured.

TEMPORARY SUBSTITUTE AUTO

Some carriers extend excess Liability and Physical Damage coverage to “temporary substitute autos.” A temporary substitute auto is any non-owned auto used by the insured or an employee, with the permission of the owner, as a substitute for an insured auto that is unavailable for normal use because of servicing, repairs or a loss.

PET INJURY COVERAGE

In the event of a loss covered under Collision or Comprehensive coverage,

Pet Injury coverage will pay first-party claims up to $1,000 for veterinary fees incurred as a result of injuries sustained by a dog or cat while riding in an insured vehicle with the express or implied permission of the named insured. Pet Injury coverage will also pay $1,000 if the dog or cat dies as a result of a covered loss, less any payment for veterinary fees for the pet, or is inside a covered vehicle when it is stolen and the pet is not found. No deductible applies to this coverage.