Trucking Insurance in San Antonio, TX
Trucking insurance is designed to protect businesses and owner-operators operating commercial trucks and hauling goods. It can help provide essential coverage for the unique risks associated with trucking operations and helps provide financial protection in case of accidents, cargo damage or other unforeseen events on the road.
What Types of Vehicles Are Covered Under Trucking Insurance?
Trucking policies cover a variety of vehicles used for commercial purposes, including the following: 
- Semi-trucks
- Box trucks
- Flatbed trucks
- Refrigerated trucks
- Dump trucks
- Tow trucks
Your agent can help you get trucking insurance tailored to meet the specific needs of different truck types.
What Does Trucking Insurance Cover?
Trucking policies typically include the following types of coverage:
- Liability insurance may help cover third-party bodily injury and property damage after an accident where the insured truck is at fault. Trucking companies must meet state and federal minimum liability requirements.
- Physical damage coverage may help cover damage to the insured truck, including collision damage and comprehensive coverage for incidents such as theft, vandalism, fire or weather-related damage.
- Cargo insurance may help cover damage or loss of the cargo transported by the insured truck.
- Additional coverages may include uninsured/underinsured motorist coverage, pollution liability coverage and rental reimbursement coverage for temporary replacement vehicles.
How Are Trucking Insurance Premiums Calculated?
Several factors influence the calculation of trucking insurance premiums, including the following:
- Truck type—The size, weight, and purpose of the truck (e.g., long-haul trucking vs. local delivery) can impact premiums.
- Driving records—The driving history of the truck’s operators, including their experience and any past accidents or violations, may be considered by insurers.
- Cargo type—The nature of the cargo being transported, such as hazardous materials or perishable goods, can affect insurance premiums.
- Coverage limits—Higher coverage limits typically result in higher premiums but can also provide more coverage.
- Deductibles—Higher deductibles may lower insurance premiums.
- Location and routes—The geographic area where the truck operates and the specific routes taken can affect premiums based on traffic patterns, road conditions, and risk of accidents.
Insurance companies use these factors to help determine the level of risk associated with insuring a trucking operation and determine appropriate premiums.
Contact Us
Contact Valley Insurance in San Antonio, TX, to compare personalized trucking insurance quotes.