At UPIX We specialize in the trucking insurance industry offering a variety of coverage a trucker might need, we work with a variety of insurance companies, to offer the following coverages:

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Commercial auto insurance for truckers is essential for protecting both your livelihood and your assets on the road. Given the inherent risks associated with trucking, having the right coverage can make all the difference. Here’s an overview of the key types of coverage you should consider:

Liability Insurance

• Bodily Injury Liability: Covers medical expenses and damages if you’re at fault in an accident that injures another person.

• Property Damage Liability: Protects against costs for damages to someone else's property resulting from an accident you cause.

Physical Damage Coverage

• Collision Coverage: Pays for damages to your truck due to a collision with another vehicle or object, regardless of fault.

• Comprehensive Coverage: Covers damage to your truck from non-collision incidents such as theft, vandalism, natural disasters, or hitting an animal.

Cargo Insurance

This is crucial for truckers who transport goods. Cargo insurance protects against loss or damage to the freight you are hauling, which can occur due to accidents, theft, or other unforeseen events.

Bobtail Insurance

This coverage applies when you are driving your truck without a trailer—whether you're returning home without a load or going to pick up a trailer. It protects against liability during these non-trucking periods.

Non-Trucking Liability Insurance

Also known as "distance liability," this covers you when you are using your truck for personal reasons (not under dispatch) and need protection for liability claims.

Medical Payments Coverage

This helps pay for medical bills for you and your passengers, regardless of who is at fault in an accident. It can provide peace of mind for both you and your passengers.

Uninsured/Underinsured Motorist Coverage

Protects you in the event of an accident with a driver who doesn’t have sufficient insurance. Given the number of uninsured drivers on the road, this coverage is invaluable.

Equipment Coverage

If you transport specialized equipment, consider insuring it against damage or theft. This coverage extends to items like trailers, tools, and electronic equipment used in the course of your work.

Workers' Compensation

If you have employees, this insurance is crucial in case they get injured on the job. It helps cover medical expenses and lost wages, safeguarding your business from potential lawsuits.

Business Interruption Insurance

This coverage can come into play if an accident or unforeseen event interrupts your ability to earn income. It compensates for lost income during recovery times.

Conclusion

Choosing the right commercial auto insurance for truckers involves assessing your specific needs and the type of operations you run. It’s important to discuss your options with a trusted insurance agent who understands the trucking industry. Always read the fine print and ensure you have adequate coverage to protect yourself, your truck, and your cargo while hitting the road.

Contact us for your insurance needs, we have a team ready to take care of you and your company.

(908)845-7722.

salesteam@upixagency.com