Commercial Truck Insurance Breakdown

1. Liability coverage: This covers the cost of damage or injury caused by the insured truck(s) to other vehicles or property.
2. Physical damage coverage: This covers the cost of repairs or replacement for the insured truck(s) if they are damaged in an accident. This can include collision coverage, which covers damage from collision with another vehicle, and comprehensive coverage, which covers damage from non-collision events such as fire, theft, or vandalism.
3. Cargo coverage: This covers the cost of damage or loss of the cargo that the truck is carrying.
4. Non-trucking liability coverage: This covers the cost of damage or injury caused by the insured truck(s) when they are not being used for commercial purposes.
5. Bobtail coverage: This covers the cost of damage or injury caused by the insured truck(s) when they are not hauling a trailer.
6. Trailer interchange coverage: This covers the cost of damage or loss of a trailer that is being used in conjunction with the insured truck.
7. Medical payments coverage: This covers the cost of medical expenses for the driver and passengers of the insured truck(s) if they are injured in an accident.
8. Uninsured/underinsured motorist coverage: This covers the cost of damage or injury caused by an uninsured or underinsured driver.

The specifics of the coverage will depend on the policy purchased by the business and the carrier, some carriers may have different names for the coverage but the idea will be the same.