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What Is Commercial Truck Insurance & How Much Will It Cost You?

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Shelbi Wescott

Shelbi Wescott

Writer at Merchant Maverick
Shelbi Wescott is a writer and educator from Portland, Oregon. When she isn't writing about ways to help small businesses, she is a published author churning out pages for her science-fiction and mystery books. In 2015, her book After Life won an Honorable Mention for Best YA Mystery from the Library Journal. (It has ghosts. And mystery.) Shelbi has both a BA in English Literature and a Masters in Teaching from Lewis and Clark College.
Shelbi Wescott

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2 Comments

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    Steve Smith

    What type of insurance is needed if you only haul your own equipment (Dirt Contractor) to and from jobs within your own state?

      Emily Hale

      Hi, Steve It sounds like this first part of the following quote from the post would apply to you. However, if you do your own company, then you’ll need the additional coverage of general liability. When it doubt, an insurance agent can help you sort through your options. Hope this helps:

      If you are a driver and want to drive on your own authority, then you will need primary liability insurance. If you are an owner-operator of a trucking company, then you’ll expand your trucking insurance to include general liability, as well.

      Need insurance to drive? Primary liability is your goal. Need to get your trucks on the road? You’ll need general liability.

      A primary insurance policy will only cover the damage to another vehicle or to a person in the event of an accident. At the very least, the public is protected. General liability, however, offers additional protections in the case of a lawsuit or a libel/slander/false advertising claim against your business.

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