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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
Trailer Interchange
Introduction
When it comes to owning and operating a commercial trucking business in the state of Connecticut, the importance of having appropriate commercial truck insurance can’t be overstated. Commercial truck insurance is a critical component of keeping your business running smoothly and protecting your assets, as well as ensuring that you and your drivers remain compliant with all local and federal laws and regulations. Understanding the nuances of commercial truck insurance in Connecticut can be a complicated process, and this document aims to provide insight into the types of coverage available, how to obtain and maintain it, and the requirements imposed upon companies operating within the state.
The Basics of Connecticut Commercial Truck Insurance
Commercial truck insurance policies are generally comprised of several different types of coverage that together form a comprehensive plan to protect a business. In Connecticut, the most common policy coverages for commercial trucking businesses are bodily injury liability, property damage liability, cargo coverage, physical damage, general liability, uninsured/underinsured motorist and private passenger coverage.
Bodily injury liability covers damages related to any incident where a vehicle operated by one of your drivers causes injury or death to another person. Property damage liability covers damage caused to third-party property as a result of an accident involving one of your vehicles.
Cargo coverage is designed to cover your financial responsibility should any cargo you are hauling become lost, damaged or stolen.
Physical damage coverage is designed to cover the costs associated with repairing or replacing your vehicle in the event of an accident or other event that results in damage.
General liability will cover you if one of your drivers is sued for negligence while operating a company truck.
Uninsured/underinsured motorist coverage is designed to protect you if one of your drivers is injured in an accident involving an uninsured or underinsured driver. Private passenger coverage is designed to protect any vehicles used by your employees while they are travelling on their own time.
In addition to understanding the different types of coverage available, it’s important to note that the laws in Connecticut require all commercial trucking businesses to maintain a certain level of minimum liability coverage for their vehicles. The required minimum levels are as follows:
• Minimum Liability Coverage: $20,000 per person/$40,000 per occurrence (bodily injury) and $15,000 per occurrence (property damage)
• Additional Liability Coverage: $5,000 for collision and $2,500 for Uninsured Motorists
Obtaining Commercial Truck Insurance in Connecticut
Once you have identified the types of coverage your business needs, the next step is to find a reputable provider who can offer you competitive rates. Shopping around and comparing quotes from several providers is recommended in order to ensure you get the best deal possible. Many insurance providers specialize in providing commercial truck insurance and they may be able to offer discounted rates or special packages tailored specifically to the needs of your business. It’s also important to inquire about any additional coverage options that might be available; these could include extra protection against theft or vandalism, or insurance against hazardous materials shipments.
When seeking information about commercial trucking policies in Connecticut, make sure you understand how different policies apply to different kinds of trucks. This includes heavy haulers such as tractor-trailers, box trucks and dump trucks. Certain insurers may have restrictions on certain types of vehicles; for instance, some won’t cover certain sizes of trailers due to safety concerns. Additionally, it’s important to find out whether your policy will cover any losses incurred when driving out-of-state; some policies may only cover incidents that happen within Connecticut. It is also necessary to verify that your policy meets all state minimum requirements before signing anything.
Maintaining Commercial Truck Insurance in Connecticut
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Once you have obtained commercial truck insurance coverage, it’s important to make sure that you do everything necessary to maintain it in good standing. This includes paying all premiums in full before they are due and ensuring that any changes requested by your insurer (such as adding or removing drivers from coverage) are taken care of in a timely manner. Keeping accurate records of all correspondence between your business and its insurer is also recommended so there is proof if any disputes arise regarding payments or other matters related to the policy.
It’s also important to keep up with any changes made to Connecticut’s motor vehicle laws as they could affect the terms of your policy. Additionally, providing proper training to all employees who operate company vehicles is essential for keeping premiums low and maintaining compliance with local laws; most insurers offer driver safety courses which could help reduce premiums significantly if completed within set guidelines. Finally, staying up-to-date with any changes made by the Federal Motor Carrier Safety Administration (FMCSA) can help ensure that you remain compliant with national regulations governing commercial fleet operations.
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 Alabama 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 Connecticut business types. >Click here to get your free Connecticut 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.
Conclusion
Ensuring that a commercial trucking business has adequate insurance coverage is essential both for complying with state laws and regulations and protecting oneself financially from any potential liabilities arising out of an accident or other incident involving one’s vehicles. The information provided above should give a basic overview of the types of coverage available and required as well as provide some guidance on how to obtain and maintain appropriate coverage for operating commercial trucks in Connecticut.