Daily Bulletin


  • Written by News Company

Commercial truck insurance is a specific grouping of insurance auto policies developed to cover trucking needs for trucking owner-operator safety.

The trucking insurance policies begin with primary liability and then that’s built upon other additional insurance coverages. Most of the time, primary liability truck insurance is required as part of a trucking license as it protects people and property from any damage caused by your truck.

What are the general Truck Insurance Coverages?

Commercial truck insurance is essential coverage for small businesses needing trucking services or an operator offering trucking services. Make time to learn about commercial trucking insurance requirements.

The options available differ according to the type of truck, the risks it may incur, the goods transported, and the number of years’ experience the driver has.

So the insurance package you choose for your venture might include more than a handful of different types of coverage.

What is a Basic Truck Insurance Coverage?

The basic coverage of truck insurance consists of coverage for accidents in the form of a collision, and comprehensive insurance.

Collision damage insurance covers the costs related to the damage done by the other vehicle from an accident in which you were at fault, as well as the damage is done to your truck.

Comprehensive insurance works similarly to regular motor vehicle insurance, which covers the cost of repairs performed on your truck at the maximum value that's covered other than a collision.

What is a Specialized Truck Insurance Coverage?

We mostly observe this in companies offering commercial trucking insurance which have a variety of specialized options to choose from. You need coverage for every possible scenario that your truck might be involved should an accident happen. This can happen without increasing the price to an unaffordable amount.

What are the types of Truck Insurance?

Just to recap, primary liability truck insurance and general liability truck insurance are the basic requirements for you to safely use your truck which you can top-up with other additional coverages for your trucking needs. Here is an outline of other possible truck insurance policies that you will need to add to your basic truck insurance which is available to arrange with your insurance provider:

Primary Liability Truck Insurance

This is additional insurance coverage needed for anyone who wants to get behind the wheel of a truck. It protects the people and things that are hurt if your truck causes an accident.

Reefer Breakdown Coverage

You might operate a refrigerated truck which has its equipment and mechanisms to worry about. This additional trucking insurance policy would cover the cost of lost cargo, damage of goods, refrigeration breakdown, or any form of a collision your truck has been involved in. This additional coverage can have its exclusions, so let’s try to put that into perspective upon selecting this coverage.

General Liability Truck Insurance

This truck insurance coverage will pay for the damage done to someone on your property, this is also the same when someone’s property gets damaged while your truck is present.

Physical Damage Coverage

This is the policy you will need to shoulder any damage done to the truck and equipment within, in the event of an accident.

Motor Truck Cargo Insurance

If you encounter a situation of cargo damage through a collision, accident, disaster, motor truck cargo insurance cover works to protect the commodities as cargo.

Bobtail Insurance Coverage

This is an insurance cover that caters to accidents happening specifically when the truck is not being used.

Uninsured/Underinsurance Motorists Coverage

If you only have liability insurance and you encounter someone in an accident without insurance, and uninsured motorists coverage will help you on extensive expenses if the person is either uninsured or under-insured for the accident.

Writers Wanted

Tokophobia is an extreme fear of childbirth. Here's how to recognise and treat it


The forgotten environmental crisis: how 20th century settler writers foreshadowed the Anthropocene


The Conversation


Prime Minister Interview with Ben Fordham, 2GB

BEN FORDHAM: Scott Morrison, good morning to you.    PRIME MINISTER: Good morning, Ben. How are you?    FORDHAM: Good. How many days have you got to go?   PRIME MINISTER: I've got another we...

Scott Morrison - avatar Scott Morrison

Prime Minister Interview with Kieran Gilbert, Sky News

KIERAN GILBERT: Kieran Gilbert here with you and the Prime Minister joins me. Prime Minister, thanks so much for your time.  PRIME MINISTER: G'day Kieran.  GILBERT: An assumption a vaccine is ...

Daily Bulletin - avatar Daily Bulletin

Did BLM Really Change the US Police Work?

The Black Lives Matter (BLM) movement has proven that the power of the state rests in the hands of the people it governs. Following the death of 46-year-old black American George Floyd in a case of ...

a Guest Writer - avatar a Guest Writer

Business News

Nisbets’ Collab with The Lobby is Showing the Sexy Side of Hospitality Supply

Hospitality supply services might not immediately make you think ‘sexy’. But when a barkeep in a moodily lit bar holds up the perfectly formed juniper gin balloon or catches the light in the edg...

The Atticism - avatar The Atticism

Buy Instagram Followers And Likes Now

Do you like to buy followers on Instagram? Just give a simple Google search on the internet, and there will be an abounding of seeking outcomes full of businesses offering such services. But, th...

News Co - avatar News Co

Cybersecurity data means nothing to business leaders without context

Top business leaders are starting to realise the widespread impact a cyberattack can have on a business. Unfortunately, according to a study by Forrester Consulting commissioned by Tenable, some...

Scott McKinnel, ANZ Country Manager, Tenable - avatar Scott McKinnel, ANZ Country Manager, Tenable

News Co Media Group

Content & Technology Connecting Global Audiences

More Information - Less Opinion