You Must Carry Trucking Insurance to Operate Legally

No matter what size trucking company you operate in Shelbyville — even if you are an owner-operator — you must carry trucking insurance. Requirements for trucking insurance vary, depending on Kentucky state and sometimes federal regulations. When you take out a trucking insurance policy, we’ll ask about:

• The size of the company (a large fleet or just one truck)
• What kind of trucks you operate
• Where you or your employees drive and the associated filings
• What type of cargo is being transported, such as food or chemicals

It’s against the law to operate a truck without at least the minimum insurance. And if you or one of your drivers are in an accident, damages could come out of your pocket, which could cause you to close your doors.

There Are Many Types of Trucking Insurance to Protect You

Your business model determines the type of trucking insurance you carry. But every truck must have at least primary liability, just like your personal vehicle or smaller vehicles used for business deliveries and customer visits. Primary liability is coverage for another party or parties injured in an accident to cover their medical care and similar expenses, so you won’t be sued for them.

You may also need to or elect to purchase other types of trucking insurance:

• General liability - covers property damage and load delivery mistakes and offers broader liability coverage than primary liability
• Physical damage - protects your truck in case of vandalism, theft, collision, or natural disasters
• Bobtail - covers drivers operating a truck off duty
• Motor truck cargo - covers damage or loss of cargo
• Rental reimbursement - pays for a rental truck while a truck is in the shop
• Trailer interchange - covers trailers pulled as part of trailer interchange contracts
• Medical payment - protects the driver of the truck, whether they are operating the truck or sitting as a passenger
• Uninsured motorist coverage - covers accidents where a truck is hit by someone without insurance
• Reefer breakdown - vital to protect refrigerated cargo, like food, cigarettes, alcohol, pharmaceuticals, and flowers
• Roadside assistance - gets you help when stranded after running out of gas or breaking down

We Can Tailor Trucking Insurance to Your Business

Because your trucking business is unique, you don’t want cookie cutter coverage. Instead, our independent agents use their huge menu of trucking insurance products to tailor a policy to you. We pride ourselves on personalized service that leaves customers less vulnerable to coverage gaps.

If you’re ready to start a policy or learn more about trucking insurance, we’re here to help. Call Old Kentucky Insurance today at 502-451-8800. Or feel free to get in touch online using our convenient contact form.

Get a Free Trucking Insurance Quote