Coverage Description

Primary Liability Insurance - Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and usually also provide this owner/operator insurance for their leased vehicles.

Non-Trucking Liability - Bobtail insurance provides liability coverage when the truck is being used for purposes outside the scope of the lease and not under dispatch.

Physical Damage Insurance (Collision, Specified Perils) - Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

Umbrella Insurance - Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it

Occupational Accident Insurance (Occ/Acc) - Product designed specifically for owner operators in the trucking industry. In most states, by being self- employed owner/operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operator's expense. For those who qualify, occ/acc is generally a lower cost alternative.

Cargo Insurance - Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.