Long haul trucking most often involves tractor trailers or 18-wheelers, which are some of the largest vehicles operated on American roadways. Because of their size, weight, and bulk, accidents involving these vehicles can be devastating, not only for the operators and their cargo but for any other vehicles that get caught in the incident.
From property damage to injuries, long haul trucking insurance provides coverage and protection for vehicles, operators, companies, and owners. As a specialized form of commercial trucking insurance, long haul trucking insurance policies are designed with long-distance trucking in mind, accounting for the high mileage these vehicles will acquire.
General liability coverage in long haul trucking insurance provides assistance in the event that property damage or injuries result from the actions of a trucker. Insurance for long haul trucking must include general liability coverage as required by most states.
Because the costs of repairs, legal fees, and medical bills can be high in the event of an accident with a large vehicle, finding a long haul trucking insurance policy that provides sufficient general liability coverage is a must
Even though most long haul trucking vehicles are large and sturdy, they can still incur damage in the event of a collision. Collision coverage can provide assistance with repair costs for your vehicle if it is damaged in an accident.
While non-owned liability coverage is often considered incidental (and even referred to as “if any” insurance by some), it can provide valuable coverage in relevant events. Long haul trucking commonly entails covering long distances, so the chances of your vehicle breaking down or requiring maintenance on the road are much higher than with other forms of commercial trucking.
Non-owned liability coverage provides coverage for a rented or hired vehicle that you do not own. This kind of long haul trucking coverage is active for short-term, unplanned situations. Ideally, non-owned liability insurance would never be necessary, but having it can protect your cargo as well as any short-term rented vehicles, hired drivers, and business relations.
Non-trucking coverage accounts for issues with the insured vehicle during non-work hours. Long haul truck drivers rarely work standard hours, and while covering long distances, taking breaks and downtime is not only common but essential. Any time that your vehicle is used outside of operating hours or for any non-work-related purpose, non-trucking coverage offers protection.
Ensuring that your vehicles are properly insured with non-trucking insurance can mitigate any repair or legal costs as the result of off-hours incidents.
Hauling agricultural goods is an essential job that provides food and resources to Americans across the country. Agricultural goods can include produce, livestock, grains, gravel, hay, and seeds. Obtaining sufficient long haul trucking insurance for this kind of trucking is critical for ensuring the safe transport of agricultural products.
Dry vans are enclosed trailers that protect products from the elements during transportation. Box trucks and semi-trailers are categorized as dry vans. In many cases, obtaining long haul trucking insurance for dry vans is easier than other classes, but it is important that you determine which types of long haul coverage are required and beneficial before committing to a policy.
Refrigerated trucks, also known as “reefers,” allow the safe transportation of refrigerated goods across long distances. Long haulers who operate this class of vehicle may transport fruit, vegetables, seafood, dairy products, meat, or even certain kinds of medicine.
Delays in long haul transportation regardless of class can mean disrupted timelines or supply chain hurdles, but for refrigerated goods, incidents like a vehicle breaking down could present more challenges, such as food spoiling or melting and becoming unsafe for consumption. Long haul trucking insurance for refrigerated goods haulers must be comprehensive to ensure the safety of the cargo and the stability of the vehicle itself.
Flatbed trucks are widely used for construction work, and they are often used as carriers of heavy machinery and other materials. Obtaining long haul trucking insurance for flatbed haulers must account for cargo security, including the possibility of cargo spills.
Flatbeds have a high likelihood of transporting oversize loads, which tend to require additional permits. Vehicle owners should account for this when searching for long haul trucking coverage for such vehicles. If you don’t see your specific class listed here, contact the trucking insurance team at World Insurance, and we can discuss more options to fit your needs.
When looking for appropriate long haul coverage, connecting with an insurance agent who knows the industry and has experience with similar policies can make an immense difference in the coverage you ultimately receive.
At World Insurance, our trucking insurance agents specialize in long haul trucking coverage. Many of our agents have actual truck driving experience, as well. We understand how important the right insurance is for long haul trucking, and we will help you find the best policy and coverage for your trucking needs.
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