Everyday Alabama truckers come to our big rig insurance brokers for quick help (855) 826-0321.
>Click here to get your free Alabama Big Rig Truck Insurance Quote<
Big Rig Insurance Alabama Brokers have most any type of bonds needed for your trucking brokerage or freight forwarder operation please visit our bond search and bind facility located here BOND SEARCH
Call us today to get complete Alabama trucking for hire coverage as fast as possible 855-826-0321. Reliable and affordable all inclusive policies. Call us for you best rates for your for commercial truck insurance. Count on us for delivering unparalleled customer service to meet your load hauling needs.
MOST REQUESTED COVERAGE’S
Auto Liability, Motor Truck Cargo Coverage, Commercial General Liability, Medical Payments, Uninsured Motorist, Underinsured Motorist
Personal Injury Protection (PIP), Owned Auto, Non-Owned Auto, Hired Auto, Collision Coverage, Comprehensive Coverage and Trailer Interchange
Below are the classifications of commercial big rig trucking policies.
• Symbol 1 – Any auto, don’t have to schedule them. Covers any auto as long
as the insured is using it. (This is rare nowadays especially for Big Rig Trucks))
• Symbol 2 – Any owned auto. Covers only autos that the insured owns.
Includes autos you acquire ownership of after the policy begins.
• Symbol 3 – Owned private passengers autos only. Covers private passenger
autos. Includes autos you acquire after the policy begins.
• Symbol 4 – Owned autos other than private passenger autos only. Covers only
those autos you own that are not private passenger and for liability for trailers
you don’t own while attached to power units you own. Includes those autos
not of the private passenger type you acquire after the policy begins.
• Symbol 5 – Owned autos. Subject to No Fault State.
• Symbol 6 – Owned autos. Subject to Compulsory Uninsured Motorist Law.
Form you attach when the state requires and insured can not reject uninsured
motorist coverage. It includes autos you acquire during the policy period after
the policy begins.
• Symbol 7 – Specifically described autos. Covers only described autos.
Coverage follows power unit. Non owned trailers have liability with this form. (Most common for Big Rig, Box Trucks and other For-Hire operations)
• Symbol 8 – Hired Auto Only. Covers auto you lease, hire, rent or borrow.
This does not include any auto you lease, hire, rent or borrow from any of your
employees, partners or members, etc.
• Symbol 9 – Non-Owned Autos Only – Coverage auto you do not own, lease,
hire, rent or borrow that are used in connection with your business. Includes
auto owned by your employees, partners, members, etc.
We can easily insure the following Alabama business types. >Click here to get your free Alabama Big Rig Truck Insurance Quote<
CEMENT CONTRACTING – COAL HAULING – CONSTRUCTION – COURIER SERVICE – COURTESY PASSENGER TRANSPORT – DEBRIS REMOVAL – DEMOLITION – DIRT, SAND & GRAVEL – ELECTRICIANS – EXPEDITERS – FARMING – FIREWOOD HAULING – BULK FLORIST Refrigerated DELIVERY – FOR-HIRE TRUCKING – FROZEN FOODS TRANSPORT – FURNITURE DELIVERY – GARBAGE COLLECTION – HAZARDOUS MATERIALS HAULING – HOTEL SHUTTLES – HOTSHOT TRANSPORT – ICE CREAM VENDOR – IMPOUND LOT – INTERIOR DECORATING – INDEPENDENT TRUCKING – LANDSCAPING – LEASED-ON BIG RIG TRUCKING – LINEN SUPPLY – LOGGING – LONG-HAUL TRUCKING – MOTORCYCLE DEALERSHIP – OWNER-OPERATOR – PIANO MOVING – PLUMBING – ROCK QUARRY HAULING – RECYCLING SERVICES – REFRIGERATED GOODS TRANSPORT – RETAIL FOOD MARKET – ROOFING – SHOPPING MALL DELIVERIES – SNOW PLOWING – TOW OPERATION – TREE SERVICE – WIDE LOAD HAULER – WRECKER SERVICES and much more.
Alabama Commercial Truck Insurance and Requirements
Commercial trucking is a large business in the United States, employing approximately 8.7 million people, which is approximately four percent of the United States workforce. Alabama alone is home to over 711,000 commercial trucks, making it an important hub for this commercial industry. However, with such a large commercial fleet comes the need for protection and safety.
In order to ensure that commercial truck operators are operating safely and legally, Alabama has put in place specific regulations and requirements for commercial truck insurance and operation. By reading further you will learn what truckers in Alabama need to know in order to get their insurance up to date, as well as their required operations while on the road.
What is Commercial Truck Insurance?
Commercial truck insurance is an important type of insurance that is recommended for businesses operating large commercial vehicles such as semi-trucks, tractor trailers, and box trucks. This type of coverage offers protection for businesses in the event of accidents, damages, property damage, or losses due to theft or fire. Commercial truck insurance can also cover medical costs if an operator is injured in the course of their duties.
It is important to note that the minimum requirements for commercial truck insurance can vary depending on your state’s laws and regulations. As a result, commercial truck operators must have at least the minimum amount of coverage as outlined by the state they’re operating in. In Alabama, the minimum amount of coverage required is $750,000 Bodily Injury Liability (BIL), $25,000 Property Damage Liability (PDL), and $5,000 Uninsured Motorist Bodily Injury (UMBI).
Additional Coverage Requirements in Alabama
While the state of Alabama does require a minimum amount of coverage on all commercial vehicles operating within its borders, there are some situations where additional forms of coverage may be recommended or even required. These situations include:
• Driving into Canada or Mexico – Due to the inherently greater risks associated with driving into Canada or Mexico, certain forms of additional coverage may be advised or even required by certain carriers.
• Motor Carrier Operating Authority – Companies that are operating under their own motor carrier authority are required to maintain higher levels of insurance coverage than would otherwise be required under general insurance laws. Generally speaking, these higher levels can range from $1 million up to $10 million in terms of BIL coverage.
• Cargo liability – Companies that are responsible for transporting goods for hire may also wish to consider obtaining additional cargo liability insurance in order to provide added protection for their drivers and cargo in the event of an accident.
• Hazardous Materials – Companies transporting hazardous materials are also likely to need additional liability coverage as these types of materials have an increased chance of causing harm or damage should anything go wrong while they’re being transported.
• Workers Compensation – Companies who employ drivers and other personnel within their organization are generally required to obtain workers compensation insurance in accordance with state laws. This type of insurance covers injuries sustained by employees while they’re working on behalf of their employers and helps to protect employers from expensive lawsuits that could result from workplace injuries.
Enforcement and Penalties for Non-Compliance
The state of Alabama takes its regulations surrounding commercial truck insurance very seriously and has a few different ways that it can enforce these regulations. Some of the most common methods include:
• Vehicle Inspections – The Alabama Truck Enforcement Agency checks every commercial vehicle passing through a roadside inspection station or weigh station throughout the state. Should any violations be found or observed during these inspections, appropriate action will be taken, up to and including assessing fines and seizing vehicles if deemed necessary.
• Random Audits – Companies conducting business within the state may be randomly chosen for an audit by the Truck Enforcement Agency. During these audits, companies will be asked to produce records pertaining to their drivers and vehicles in order to ensure that they are following all applicable laws and regulations, including those governing commercial truck insurance.
• Financial Fines – Any company found guilty of operating without adequate insurance coverage or failing to follow applicable motor carrier safety laws will be fined accordingly by the Truck Enforcement Agency. Depending on the severity of the violation, fines can range anywhere from a few hundred dollars per violation up to tens of thousands of dollars per violation.
Having adequate commercial truck insurance in place is essential for any company wishing to operate large commercial vehicles within Alabama or any other part of the United States. Not only does it protect a company from potential lawsuits arising from accidents that occur due to improper maintenance or operation by employees, but it can also protect them from significant financial penalties levied by government agencies for non-compliance with safety regulations.
As such, it is critically important for all companies operating large commercial vehicles within Alabama (or any other part of the country) to ensure that they have adequate insurance coverage at all times so as to protect both themselves and those around them from any potential harm or losses.