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Saturday, November 28 2020
What Happens When a Truck Driver is an Employee vs. a Contractor

Orlando, Fla.—There are state and federal laws that regulate the trucking industry. These laws come from the U.S. Department of Transportation (DOT) and the FMCSA, or Federal Motor Carrier Safety Administration. These laws also help to determine who is liable in a commercial truck accident. Every state has a Department of Transportation branch to enforce intra-state laws for commercial truckers. All professional truckers are expected to follow the standards and rules set by the industry. 

FMCSA is the lead federal government agency responsible for regulating and providing safety oversight of commercial motor vehicles (CMVs), to include more than 500,000 commercial trucking companies, more than 4,000 interstate bus companies, and more than four million commercial driver’s license (CDL) holders. FMCSA's mission is to reduce crashes, injuries, and fatalities involving large trucks and buses.

An accident that involves a large truck will usually experience more damage and injuries than if it were an accident between cars. If the driver was hired by the company as an employee, as opposed as a contractor the company needs to keep in hand clear evidence that the driver was subject to a background check that dismissed a possible criminal record, bad driving record, or drunk driving charges that would make him, or her, unqualified for the job. 

Some companies would rather use the services of contractors for the truck driving part of their business, and that way they minimize their exposure to liability in case of an accident. However, these contractors must comply with their own legal requirements to perform that kind of work, including a thorough insurance coverage to respond in the event of any claims. General contractors, local contractors, and subcontractors are commonly required to carry commercial truck insurance by the various laws and businesses they work for.

At Orlando Truck Insurance we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations.The below is a sample list of some of the commercial trucks that we can insure:

Box trucks

Dump trucks

Flatbed trucks

Front loaders

Garbage trucks

Pickup trucks with standard or commercial beds

Cement and pump trucks

Refrigerated box trucks

Roll-on vehicles

Semi trucks

Stake body trucks

Straight trucks

Tank trucks

Tow trucks


Vocational trucks

Tractor Trailers We Insure

We may also be able to offer commercial truck insurance for the following tractor trailers:

Auto hauler trailers

Bottom dump trailers

Bulk commodity trailers

Concession trailers

Dry freight trailers

Dump body trailers

Flatbed trailers

Gooseneck trailers

Horse trailers

Livestock trailers

Logging trailers

Lowboy trailers

Pole trailers

Refrigerated trailers

Tank trailers

Tilt trailers

Transfer boxes

Utility trailers

As an independent insurance agency, our duty is to our clients’ best interests. As your insurance agents, our responsibility is to provide you the best service and the best coverage, at the best possible price.

At Orlando Truck Insurance, we have the staff, the local experience and the customer service platform to help you walk through your insurance coverage options to keep your business well protected. Call one of our truck and commercial vehicles insurance specialists today at (407) 203-7085 to get you started in the right track, we’ll be happy to assist. We are all in this together!

Oscar Pacheco - Licensed Agent

Email Oscar

Posted by: AT 03:28 pm   |  Permalink   |  Email
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Orlando Truck Insurance

9601 Recycle Center Rd

Orlando, Fl 32824

Phone: (407) 203-7085
Fax: (321) 251-7720

Email us

Hours of Operation:
8:00 AM - 6:00 PM Monday - Friday
9:00 AM - 1:00 PM Saturday

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Orlando Truck Insurance offer Truck Insurance for the following operations: Agricultural Haulers, Auto Haulers, Bulk Hoppers, Dry Vans, Dirt/Sand/Gravel, Flat Bed, Grain Haulers, Heavy Haulers, Hazmat, Hotshot. Intermodal, Livestock / Cattle, Loggers, LTL, Milk Haulers, Oilfield, Refrigerated Goods, Steel Haulers, Tankers, Towing, Local, Long-haul, Intermediate

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© 2020 Orlando Truck Insurance

Insurance is offered by Garzor Insurance and/or its affiliates, with their principal place of business at 4369 Hunters Park Lane, Orlando Fl 32837. This website provides a simplified description of Insurance Products. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.

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