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Trucking Insurance F.A.Q.

What types of insurance coverage are essential for an transportation business?

Essential insurance coverage for a transportation business includes commercial auto, cargo, general liability, workers' compensation, umbrella. Consult an insurance professional for specific needs.

How much professional liability insurance coverage should a Transportation business have?

The amount of professional liability insurance coverage that a transportation business should have can vary depending on the size and scope of the business, as well as the level of risk involved. Generally, experts recommend that transportation businesses carry a minimum of $1 million in professional liability insurance coverage. However, it is important to consult with an insurance professional to determine the appropriate amount of coverage for your specific business needs.

Does a Transportaion business need Workers' Compensation Insurance

Workers' Compensation Insurance provides benefits to employees who are injured or become ill due to work-related activities. In the transportation industry, there are many risks and hazards that employees may be exposed to, such as driving accidents, loading and unloading cargo, and slips and falls. Workers' Compensation Insurance can help cover the costs of medical expenses, lost wages, and rehabilitation for injured employees, and it can also protect the business from costly lawsuits.

What is business property insurance, and why is it important for a transportation business to have?

Business property insurance provides coverage for the physical assets of a trucking business, such as office equipment, furniture, and other assets. This coverage is important in the event of damage or loss due to theft, fire, or other covered perils.

Trucking Insurance Information

Trucking insurance is a type of insurance that provides coverage for vehicles and cargo used in commercial transportation, including trucks, buses, and other vehicles used for hire or reward. There are several types of coverage that are typically included in transportation insurance policies, including:

  1. Auto Liability Coverage: This coverage is required by law in most states and covers damages or injuries caused by your commercial vehicle to others while driving. It includes bodily injury and property damage liability.

  2. Physical Damage Coverage: This covers damage to your commercial vehicle caused by a collision or other event, such as theft or fire.

  3. Cargo Coverage: This covers the value of the cargo being transported in the event of damage, theft, or loss during transit.

  4. General Liability Coverage: This covers accidents that occur on your business premises, such as slip-and-fall accidents or property damage caused by your employees.

In Texas, commercial truck drivers are required to have a minimum amount of liability insurance, with minimum limits of $750,000 for trucks weighing over 10,000 pounds and $300,000 for trucks weighing less than 10,000 pounds. However, it is recommended to carry higher limits of coverage to ensure adequate protection in the event of a serious accident.

Other types of coverage that may be available in Texas include physical damage coverage, cargo coverage, and general liability coverage, as mentioned above.

When selecting trucking insurance, it is important to consider your specific needs and risks as a commercial truck driver. Factors to consider include the type of cargo you transport, the distance and frequency of your trips, and the value of your truck and equipment. It is recommended to work with an experienced insurance provider who can help you identify your coverage needs and find the right policy for your business.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
julie pachecojulie pacheco
03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
I had a great experience getting assistance from Brandi Grauel, she is so professional and attentive, she was able to show me several car insurances options and helped me to find out what was the best option for me. Anyone who is shopping around but not sure yet.. give her a call
Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!