Owners and operators of commercial trucks can't get by with a standard commercial auto insurance policy. In addition to protecting the cargo that they carry, truckers must consider the massive physical damage that can be caused by their trucks, the potential environmental issues an accident could cause, and the expensive cost to repair their large vehicles.

Liability Insurance

For bodily injury and property damage liability exposure, one should consider an auto liability insurance policy. This policy will protect truckers by covering many different types of harm that they can unintentionally inflict on others and their property. This includes accidental damage to a retailer’s delivery dock, to other drivers, vehicles, and pedestrians.

Cargo Insurance

Your clients rely on you to safely deliver their cargo in the same condition it was in when they turned it over to you. With cargo insurance you can reimburse a client for qualifying damages made to their cargo during transport—and all without tapping into your business bank account except to pay the deductible.

Bobtail Insurance

When your truck is without cargo, it still needs protection. Bobtail insurance covers your truck even when it is not operational.

Physical Damage Insurance

If your truck is in an accident or collision, you need the right commercial insurance policy protecting your financial interests. Collision insurance and comprehensive insurance can cover various accidents and damages caused by theft, vandalism and fire.

Environmental Liability Insurance

If your truck carries cargo that can be environmentally toxic or could contribute to pollution, you need special insurance to help pay for the cost of the cleanup if it should be spilled in an accident. Environmental liability insurance will cover this expense, as long as it occurs in a qualifying situation.  Watercraft & Boat Insurance

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.