Leading Coverage at Competitive Rates

A standard when it comes to safety, primary liability insurance is necessary for any operator and covers the following:

• Legal liability due to ownership, maintenance, or use of an insured truck
• Compensation damages for bodily injury or property damage that the insured is responsible for legal defense costs

If you own a truck or tractor, chances are you want to protect your investment. Physical damage coverage provides coverage for the following:

• Vehicle protection in case of an accident
• Repair or replacement costs for accidents
• Repair or replacement costs in the event of over-turning

Whether you are hauling goods for a separate party or they are company owned, it is imperative to protect the value of your cargo. Motor truck cargo coverage can help provide protection for:

• Cargo that is damaged in the event of a collision
• Cargo damaged as a result of a disaster like fire
• Cargo damaged due to improper loading

This insurance covers damage to property such as your home or office building, or personal contents and property belonging to others. Specific types of property insurance can cover damages from the following:

• Fire
• Flood
• Earthquakes
• Other risks

This provides coverage for circumstances associated with your business activities. This insurance covers the following:

• Claims resulting from liability for injuries or damages caused to people, property, and business operations
• Equipment like forklifts, tractors, and cranes (not actual trucks)

If, due to certain circumstances, primary liability coverage is insufficient, this type of coverage may be right for you. This insurance can be beneficial to the following circumstances:

• Unexpected events due to circumstantial matters regarding transportation companies
• Excess liability coverage needed to protect higher limits of assets not covered by regular liability

Many companies are required to provide proof of minimum liability insurance to the state. Bond insurance also covers:

• Fuel taxes
• Motor carrier authorities

Commercial Crime Insurance protects your company from fraud, theft, forgery and other types of crime. This protection covers your company if, for example, employees decide they are entitled to the company's inventory, or if a thief robs you of your cash. Working through such losses takes time and money - resources that would be better spent running your business.

• Business Crime Insurance offers coverage for the following
• Employee dishonesty
• Forgery or alteration
• Theft of money and securities
• Burglary or robbery
• Computer fraud

Never rely on the trucker's insurance certificate to protect you and your shippers. Doing so could eliminate insurance coverage for loss or damage claims if any of the following would happen:

• The trucker goes out of business, refuses to accept responsibility, has a high deductible, or won't cooperate with the insurer

• The policy is cancelled and you aren't notified

• The insurance company becomes insolvent

• The trucker and their insurer are delaying the process


Now who pays, and what happens to your relationship with the shipper? Quality Contingent Cargo Insurance addresses the "unknowns" along with circumstances interfering with paying legitimate loss and damage claims. This is also a necessary insurance coverage for your shippers.

Employment practices Liability Insurance (EPLI) is a relatively new form of liability insurance. It provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), and wrongful termination of employment (along with all related allegations). Now your entire firm, including directors and officers, is protected.

What EPLI Covers
EPLI covers defense costs, judgments and settlements (up to the policy limits) for the corporate entity, former and current employees, directors, and officers. It covers a variety of workplace-related legal actions, including:

• Discrimination

• Sexual harassment

• Wrongful termination

• Breach of employment contract

• Negligent evaluation

• Failure to employ or promote

• Wrongful discipline

• Deprivation of career opportunity

• Wrongful infliction of emotional distress

• Mismanagement of employee-benefits plans


EPLI policies do not cover workers' compensation, bodily injury or property-damage cases, nor do they cover cases that another insurance policy specifically covers.