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Wednesday, February 17 2021
How Would You Recover if it Weren't for Your Truck Insurance Coverage?

Orlando, Fla.—In addition to all the issues related to DOT requirements due to regulations, new truck drivers face additional challenges to their daily work routines, which might cause them to struggle to find insurance coverage options. Some say that finding coverage for a driver that is just beginning is now the most difficult it has ever been.

Regardless of whether your company 18 Wheelers drive across country or serve just a few states in the region, the right types of commercial auto insurance are crucial for protecting your assets.

At Orlando Truck Insurance we have access to a high number of exclusive insurance markets that specialize in working with distressed operations that require specialized programs tailored to high risk truck insurance.

The following are examples of the types of operations insured in the high risk truck insurance which may affect new drivers:

  • Newly Licensed Truck Drivers
  • Problem Truck Drivers
  • New Authorities
  • High Risk Trucking Companies
  • Problems caused by claims history
  • DUIs for truck drivers
  • High Risk Commercial Truck Insurance
  • High risk cargo insurance
  • Previously denied coverage
  • Drivers with high FMCSA scores
  • Authorities with high FMCSA Scores
  • Poor Credit Scores
  • State Assigned Risk Pool

As a new truck driver, it is of utmost importance to have the required insurance to get jobs with load brokers, or any other potential contracts. Some of the coverages that may be required as a new truck driver include, but are not limited to: 

Business Owner's Policy (BOP): A business owner's policy is a bundle of policies for your specific owner-operator or small fleet company. It typically includes commercial general liability insurance property insurance and other policies that are specific to your industry.

Motor Truck General Liability Insurance: Trucking general liability insurance covers legal defense fees, court costs, and settlements or judgments if a client sues you. It also covers accidents or damage that may happen at your company's place of business. You must be aware of its limits and ask your insurance agent about the possible need to add an umbrella coverage, depending on your type of operation and its risks.

Bobtail Insurance: Bobtail insurance covers your truck in the instance you are driving it without a trailer attached. This insurance is mostly for drivers under a lease agreement. Owner-operators under their own authority, find that bobtail is usually covered under the primary liability policy.

Physical Damage Insurance: Covers your trucks involved in a collision. Also if it faces theft or vandalism, this is the coverage that helps you replace the damage.

Trailer Interchange Insurance: If you don't own your trailer, you need trailer interchange insurance to cover physical damage to your truck.

Non-Trucking Liability Insurance: Your rig needs to be covered outside of strict business operations while you are not on dispatch.

Motor Truck Cargo Insurance: Cargo liability helps truckers cover the value of their cargo from damage, theft, and loss. It also covers debris removal, freight charges, and separate limits.

Commercial Truck Fleet Insurance: Fleet insurance covers your whole fleet, and it's usually a better value than insuring each unit individually.

Umbrella Insurance: If a lawsuit costs extends beyond your primary liability coverage, an umbrella policy protects your assets helping you cover the excess.

Workers' Compensation Insurance: If you have employees, you need Workers' Compensation. The laws vary depending on your state. The state of Florida requires  it for most businesses, depending on the amount of employees.

Refrigeration Breakdown: You also need legal liability protection for a loss caused by a breakdown on heating and refrigeration units.

Permanently Attached Equipment: Offers additional coverage for equipment.

At Orlando Truck Insurance, our goal is to provide professional insurance sales and service to Florida residents and businesses. Based in Orlando, Florida— our insurance agents want to make every interaction a positive experience for our customers. 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.

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 03:50 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

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