Commercial Trucking Insurance

 

  • Whether you're looking for owner operator insurance, motor carrier insurance, or private carrier insurance, Pinnacle provides commercial truck insurance for trucks and trailers of all sizes including:

 

  • Tractors

  • Box Trucks

  • Semi Trucks

  • Flatbed Trucks

  • Fuel Tank Trailers

  • Garbage Trucks

  • Pickup Trucks

  • Tank Trucks

  • Dump Trucks

  • Auto Hauler Trailers

  • Flatbed Trailers

  • Hazardous

 

A Business Auto policy can provide coverage including, but not limited to:

 

Bodily Injury/Property Damage Liability: pays the cost of a claim made by a third person or people who becomes injured or suffer damage to property that your driver caused while operating a business vehicle.

 

Medical payments: pays for necessary medical and dental expenses incurred by a driver and passengers who are injured in an accident. This applies to individuals not covered under Workers Compensation.

 

Physical Damage:  Covers damage sustained to your tractors, trucks or trailers in an accident such as a collision, overturn or roll, regardless of fault. It also covers the cost of damage caused by other accidents, including fire, theft, vandalism and some natural disasters. This coverage is not required by law but if your vehicle is financed the lienholder will most likely require it. Physical Damage Insurance provides the trucker or motor carrier with the assurance that their vehicles are protected and that their livelihood will not be compromised.

 

Uninsured and Underinsured Motorists: Uninsured Motorist pays for necessary medical expenses incurred by an insured and passengers if injured in an accident where another party is responsible for the injuries but that party is does not have insurance. Underinsured Motorist pays when the other party does not have enough insurance to cover the loss up to the limit on your policy. Your limits must be higher than those of the at-fault driver. In some states, an insured may also have coverage for damage to an insured vehicle.

 

Personal Injury Protection (PIP): often referred to as no fault coverage in those states where it is required. Regardless of who is responsible for the accident this coverage pays the medical expenses, lost wages, incidental expense related to an injury and funeral expense for you, your family and passengers in your vehicle. Coverage will also extend to you and your family if injured as a pedestrian.

 

Other than Collision (Comprehensive Coverage): covers certain types of damage to a vehicle insured under the policy such as, fire, theft, glass breakage, vandalism, flood, falling objects, and contact with animals or fowl. The policy pays to repair your vehicle but no greater then your actual cash value less your comprehensive deductible. While this coverage is required when your have a lien or lease the vehicle; it is recommended when the value of a vehicle is greater than an amount the owner would be willing to pay out of pocket to repair or replace a damaged vehicle.

 

Collision: covers damage to a vehicle insured under your policy caused by an impact with another vehicle or object. The policy pays to repair your vehicle but no greater then your actual cash value less your collision deductible. While this coverage is required when your have a lien or lease the vehicle; it is recommended when the value of a vehicle is greater than an amount the owner would be willing to pay out of pocket to repair or replace a damaged vehicle.

 

Pinnacle RIsk Managers  offers complete commercial truck insurance state and federal filings assistance. An insurance filing is a guarantee to the government that you have sufficient truck insurance protection to meet their financial responsibility requirements. Once your authority has been filed, we can take care of the rest.


Learn more about commercial truck insurance filings.

 

Cargo Insurance

 

Cargo Insurance covers the physical damage to or loss of goods or property while being transported or shipped by truck, rail, air, ship or boat. If you are responsible for transporting or shipping manufactured goods, raw materials, farm products, purchased goods, finished products, inventory, parts and components, production equipment, or other property, you may need cargo insurance! The insurance may also protect property while it is in a warehouse.

 

Regardless if you import, export or transport you have a need for Cargo Insurance and should not rely on others for coverage. Cargo Insurance you purchase to protect your property is generally broader than the coverage than coverage provided from another party transporting your property.

 

Transportation of property can be insured by different forms of insurance which we provide to our clients depending on their needs including:

 

  • Ocean Marine

  • Motor Truck Cargo

  • Transportation

  • Warehouse to Warehouse

 

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