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Wednesday, June 30 2021
Primary Liability vs. General Liability in Truck Insurance

Orlando, Fla.— So, what is commercial truck insurance? It is a group of insurance auto policies created to cover the needs of the trucking industry.

There is a big difference between primary liability and general liability. If you want insurance to be able to drive, the primary liability coverage is what you may need. This type of insurance will only cover the damage to another vehicle or to a person in the event of an accident, that way at least the public is protected. All trucks require at least $750,000 in insurance coverage.

Now, in order to get your trucks out there in roads, then you will need general liability. The general liability offers additional protection in cases of lawsuits or a libel/slander/false advertising claim against your business.

In other words, if you drive on your own as an independent truck driver, what you may need is a primary liability insurance, but if you are an owner/operator of a trucking business with a vision to expand you will need general liability coverage. The Federal Motor Carrier Safety Administration (FMCSA) might require certain trucking operations (for example, those that haul cars) to show proof of adequate general liability coverage. Drivers have to prove they have a minimum of primary truck insurance to be approved by the FMCSA. Leasing agreements for the trucks might also require proof of general liability truck insurance.

Is a commercial auto policy good enough to protect my trucking operation? Truck drivers face day-to-day risks than cars/vans, and for-hire truckers need truck insurance, otherwise, truck drivers might find themselves vastly under-insured under a commercial auto plan (or unable to get behind the wheel at all).

At Orlando Truck Insurance, we can provide you with affordable truckers coverage for most commercial truck and tractor trailer combinations. Choosing the right types of commercial auto insurance protects you from having to pay for repairs or medical bills caused by an accident, and most importantly is can protect you against uninsured drivers.

Orlando Truck Insurance is a full-service provider of Commercial Insurance products and services for Trucking and Commercial auto insurance. We invite you to review our programs: truck, public transportation, and commercial specialty auto. Orlando Truck Insurance has the products and underwriting experience to meet your insurance needs. As a recognized leader in the local trucking insurance industry, our parent company  Garzor Insurance  specialized in serving “niche” or undeserved markets. Our proven, superior underwriting model creates flexibility to write unique coverage’s in a wide array of diverse industries.

To obtain a quote for Truck Insurance, call us at  (407) 203-7085 to speak with a truck insurance specialist. You may also fill out an online questionnaire and one of our staff members will contact you to complete your quote process.

We have the staff, the local experience and the customer service platform to walk you through your insurance coverage options and keep your business well protected. Again, 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 in this together!

Diana Munoz - Licensed Agent

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Posted by: AT 07:12 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
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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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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