The transportation industry plays a foundational role in our economy, but it is also saturated with risk. Whether you are delivering cargo or transporting passengers, you need insurance that can protect goods, vehicles, and the people inside them. Commercial transportation insurance is typically recommended for a wide range of businesses and industries, including:

• Motor carriers
• Distributers
• Manufacturers
• Limousine services
• Wholesalers
• Freight brokers
• Freight forwards
• And more

There are several different types of transportation and trucking insurance coverage available to professional drivers. The type and amount of coverage you need will depend upon a number of factors, including whether you own a trucking company or work as a for-hire trucker. Here at White Oak Insurance Group, we offer a broad range of coverage options to address many different needs. Examples include:

Liability

As the biggest vehicles on the highway, trucks can cause major injuries and damage to other vehicles when they are involved in accidents. Liability insurance is legally required of truck drivers in all states to ensure coverage for any losses or injuries caused to a victim as a result of an at-fault accident. There are two basic types of liability insurance: primary and non-trucking.

Primary liability insurance is only in effect when a driver and truck are under dispatch. If the driver is not in transport or under dispatch, then non-trucking liability is required. Most motor carriers require drivers to carry secondary non-trucking liability coverage to be eligible for dispatch.

Physical Damages

Physical damages insurance covers damages to your truck, whether caused by a collision or a non-collision event. Collision and comprehensive coverage are combined to protect against a wide range of perils, including fire, theft, vandalism, and more. In these cases, physical damages insurance pays for repairs or replacement of the vehicle. You can also include additional coverage for personal belongings, loss of use, mechanical breakdowns, and more.

Motor Truck Cargo

Truck drivers carry precious cargo. Motor truck cargo insurance covers damages or loss of freight caused by a covered event. Whether a driver rolls his truck on the freeway or your company loses a load due to a fire, motor truck cargo insurance can help cover freight fee losses, legal defense fees, settlements, and more.

Workers Compensation

If you own a trucking company, you are responsible for the medical care of any truckers who are injured on the job. This assures that a truck driver receives access to appropriate and necessary medical care after a job-related injury, from emergency room visits and surgeries to long-term rehabilitative care.

Learn More

Day in and day out, you depend on insurance to protect you against the hazards of trucking. When you choose White Oak Insurance Group for your transportation insurance needs, you gain access to quality protection when and where you need it most. We can help you calculate your risk, customize your coverage, review the terms and conditions of your policy, and assist with any claims administration needs you may have in the future. Working with a company that specializes in the transportation niche means having access to coverage that fits your unique needs. Whether you are accepting a contract for a one-time job or working with a motor carrier full-time, our coverage will help keep you protected and compliant. We will help you maximize your value and minimize your costs in an effort to protect your bottom line.

For more information, contact us today. We look forward to serving you soon.