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
Wreckers/tow trucks, Flatbed carriers, Rollbacks
Pickups with a fifth-wheel hitch
TOW TRUCK TYPES
Auto repair and maintenance, Gas and service stations
Body shops, Auto salvage haulers
Physical Damage Coverage
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:
* 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.
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.