SEMI TRUCK INSURANCE

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What Is Semi-Truck Insurance?

Semi truck insurance is the most common vehicle type of insurance seen in the trucking industry. They are typically used to haul either dry goods or refrigerated goods. These commercial vehicles can only be operated by a driver with a Commercial Driver’s License (CDL)

What Do Semi-Trucks Usually Haul?

Along with general freight/dry goods, semi-trucks will also haul refrigerated goods. This includes products such as produce, dairy, meat, cold beverages, etc.
Depending on the trailer attached to the semi-truck, they can haul a wide variety of goods. They have also been known to pull flatbed trailers to haul flatbed commodities such as, construction/building materials, pipe, lumber, etc.
They can even haul vehicles if they are pulling an auto trailer.

How Much Does Insurance Cost For Semi-Trucks?

The cost of semi truck insurance can range anywhere from $1,250 annually to $16,500.

It all depends on the type of equipment your company will need to be covered and how you use the vehicles. For example, a semi-truck that is hauling a backhoe to the new construction yard so you can use it for your construction business would cost much less than a semi-truck that hauls for a fee to deliver construction equipment. The difference in pricing alone could be $7,000 annually. It’s important you specify how you will be using the vehicle to make sure you are matched with the best coverage for the best price.

What Do Semi-Trucks Usually Haul?

Semi-Trucks are often seen hauling the most common products in the trucking industry, general freight. This includes commodities such as paper products, plastic products, department store merchandise, boxed furniture, palletized goods, etc.
Along with general freight/dry goods, semi-trucks will also haul refrigerated goods. This includes products such as produce, dairy, meat, cold beverages, etc.
Depending on the trailer attached to the semi-truck, they can haul a wide variety of goods. They have also been known to pull flatbed trailers to haul flatbed commodities such as, construction/building materials, pipe, lumber, etc.
They can even haul vehicles if they are pulling an auto trailer.

What Operation Are Semi-Trucks Best At?

Semi-Trucks are most often seen hauling general freight/dry goods but because they are able to pull many different trailers, they do not have one type of commodity they are best at pulling. They are such a versatile vehicle in the trucking industry that they are good at hauling pretty much anything.

What Are Some Requirements for Semi Truck Insurance?

In order to operate a semi-truck you will need to have a Commercial Driver’s License (CDL).
If your semi-truck is over 26,000lbs you will also need to have state filings.
If you plan on crossing state lines, you will need to have federal filings.

Which Coverages Do Semi-Trucks Need?

Semi-Trucks will, at the very least, need to be included on a Commercial Auto Liability policy. This coverage is responsible for paying any bodily injury or property damage to others while you or an employee are operating a vehicle for business purposes.