Required by law in order for any operator to cover legal liability for ownership, maintenance, or use of an insured truck.  Compensates for damages for bodily injury, or property damage to a 3rd party in which you are legally liable.

Covers damages to your vehicle such as repairs, replacement costs or in the event of an over-turning.  Two types: Collision, when your truck hits another vehicle or object.  Comprehensive, covers other damages to your vehicle such as fire, burglary or vandalism. 

Coverage in the event cargo is damaged due to collision, as a result of a disaster (like fire), or damaged due to improper loading.

Protection against claims arising from acts that occur by your drivers within the scope of their business activities for your company that typically occur when not driving.

Reefer breakdown insurance protects against refrigerated cargo spoilage due to a mechanical or equipment failure or accident.

Provides independent truck drivers with medical coverage and lost wage coverage (indemnity) for work related accidents.  This coverage is instead of Worker’s Compensation coverage.

Provides insurance for medical expenses and lost wages for work related accidents and is required by law in most states when employers reach a certain number of employees.