What is Long Haul Truck Insurance?

Tractor-trailer trucks are among the largest vehicles driven on the United States’ public roads, and accidents they’re involved in are sometimes extremely serious and costly. When an 18-wheeler is involved in a collision, the property damage and injuries that result from the accident can be severe. Long haul truck insurance protects trucking companies from many of the potential costs that an accident can cause.

Long haul truck insurance is a unique form of commercial truck insurance that’s specifically designed for people and companies that provide long-distance trucking services. Policies generally account for the thousands of miles long-haul truck drivers cover annually, and they frequently offer high limits.

What Coverages Does Long Haul Trucking Insurance Provide?

Most long haul trucking policies offer a combination of common protections that are included in many commercial coverages and more specific coverages that are directly related to driving 18-wheelers.

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Some of the common protections that are frequently found in long haul policies as well as other commercial trucking policies include:

  • Auto Liability Coverage
  • General Liability Coverage
  • Medical Payments (also Medical Expense) Coverage
  • Physical Damage Coverage
  • Freight Coverage
  • Non-Trucking Coverage
  • Commercial Underinsured and Uninsured Motorist Coverage
  • Occupational Accident (OCAC) Coverage

Some protections that are more specific to driving tractor trailers are:

  • Non-Owned Trailer Coverage
  • Bobtail Liability Coverage
  • Equipment Coverage

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How Much Does Long Haul Trucking Insurance Cost?

As is the case with many types of insurance, a number of factors affect long haul trucking policies’ premiums. A few factors that insurers often take into account are:

  • How old a company’s trucks are
  • How many trucks a company owns
  • How many miles drivers travel annually
  • The driving record of all drivers
  • What type of cargo a company transports
  • Whether a company owns the trailers it uses
  • What coverages and limits a company selects 

How Can Companies Get Quotes for Long Haul Truck Insurance?

The easiest way to get quotes for long haul truck insurance is by contacting an independent commercial insurance agent. As an independent insurance agency, World Insurance Associates LLC can request quotes from several insurers at the same time, and we can then review each quote with a company’s owner or manager to select the best long haul trucking insurance policy for them. To learn more or request a consultation, give us a call at 732-380-0900 or complete the form below.

Meet Your Industry Specialist

Greg Kroeger

Mr. Kroeger is a Partner at World Insurance Associates LLC, and joins the team from American Truck Insurance Exchange, which he co-founded in 2009. Greg has over 20 years of commercial insurance experience, including six years at HUB International, where he was First Vice President and ten years managing his own agencies.

Prior to HUB, Mr. Kroeger was the co-owner of C.S. Nenner, Inc., an independent agency with $30 million in premiums, specializing in transportation and warehousing coverage for trucking businesses.

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I am pleased to take this opportunity to relate my experience with World Insurance Associates. After being referred to the company by a trusted friend; I had the pleasure of working with a very positive and responsive staff. My agent, Nilda Rodriguez, was especially helpful in getting me the best deal. As a result, I am more than satisfied with the insurance package I received. I highly recommend doing business with World Insurance.

Donna Pattani, Philadelphia PA

I was very satisfied with the help I received from Walt Paytner, My insurance premiums kept climbing and I needed to search a better option since it was truly too high in my budgeting. I have a great record for driving and yet it was being penalized by Liberty Mutual. I was very satisfied with Travelers and getting the same coverage and even added road side assistance. It was a big difference in my auto and a reduction in my homeowners. P.S Walt was very helpful.

Maureen Campbell, North Wales PA

Excellent service and always helpful! I have used and continue to use World Insurance for all my insurance needs. They are customer oriented and always there to service you whenever you have a question or just need direction. Pricing is very competitive. Highly recommended!

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Our experience was great. Your company was quick with a quote, and very accommodating, and priced competitive to other companies. Very helpful and quick which we needed for closing on our new home. Thank you.

Jonathan Murray, Forked River NJ

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World Insurance Associates LLC

656 Shrewsbury Ave
Suite 200
Tinton Falls, NJ 07701
(732) 380-0900

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

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