Understanding Insurance Adjustments

Trucking Insurance Add-Ons To Include In Your Main Policy

When looking for a favorable trucking insurance policy, you'll need to consider the added benefits that come with various add-ons. Additional coverage can provide peace of mind and protection beyond your main policy.

Taking the time to research and understand your options will help ensure you have the best coverage for your needs. Take a look at some unique add-ons that can enhance your policy.

Roadside Assistance Coverage

Having roadside assistance coverage as part of your trucking insurance policy can be a lifesaver if you ever find yourself stranded on the side of the road. This add-on covers issues such as flat tires, dead batteries, or running out of fuel while on the job. The coverage can also provide reimbursement for towing services and emergency repairs.

Roadside assistance coverage may even cover certain lodging expenses if you find yourself stuck in an unfamiliar place overnight. This add-on can help you get back on the road faster and with less hassle.

Cargo Insurance Coverage

This insurance add-on protects drivers from losses due to damaged cargo. Cargo insurance covers any property damage or theft that may occur during transport, regardless of who is liable for the damage.

This type of add-on can be especially beneficial for those hauling expensive goods or items with a high replacement cost. It also provides protection for any additional costs associated with recovering stolen goods and repairing damaged property.

Remember that the cargo insurance cost will depend on the type of goods you're hauling and their replacement value. So, you'll need to do your research before opting for this add-on.

Non-Owned Trailer Endorsement

If you plan on hauling trailers not owned by your business, then having a non-owned trailer endorsement is essential to ensure proper coverage in case something goes wrong while on the job. This endorsement ensures that any trailer you haul under your business name is fully insured and protected in case of any accidents or damage while under your care.

This add-on can provide peace of mind while on the job and save you from unexpected financial losses in case something goes wrong. You get to maintain a good relationship with the people you work for and avoid any legal or financial repercussions in the process.

Hopefully, this guide will help you better understand the different add-ons you need when operating a trucking business. With proper research into available options, you can tailor your trucking insurance policy to best meet your specific needs and budget requirements. Be sure to ask your insurance agent about these unique add-ons to get the most out of your policy.

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