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MOST REQUESTED COVERAGE’S
Motor Truck Cargo Coverage
Commercial General Liability
Personal Injury Protection (PIP)
Illinois Commercial Truck Insurance and Requirements
Illinois is home to one of the busiest transportation networks in the country, making it important for businesses that utilize large commercial trucks to understand the state’s commercial truck insurance requirements. In Illinois, commercial vehicle owners and operators must have minimum levels of coverage in place in order to legally operate on the state’s roads and highways, including liability insurance and uninsured motorist coverage. Many companies also opt for additional types of coverage, such as cargo insurance, environmental contamination coverage, and medical payments coverage, to protect their businesses from financial losses associated with an accident. The following provides an overview of Illinois commercial truck insurance requirements, as well as additional coverage suggestions for businesses in the state.
General Liability Insurance
In Illinois, commercial truckers like all other motor vehicles must carry separate auto liability insurance policies that provide a minimum of $20,000 per person and $40,000 per occurrence for death and bodily injury liability. Liability insurance helps cover a variety of costs related to a crash or other incident involving an at-fault driver or truck, including medical expenses, repair costs, and legal fees. Additionally, a general liability insurance policy can provide protection against property damage caused by a business’s truck.
Uninsured Motorist Coverage
Illinois also requires commercial truck operators to carry uninsured motorist coverage with limits of no less than $20,000 per person and $40,000 per occurrence. Uninsured motorist coverage helps cover costs related to an accident involving an uninsured motorist, which is important since Illinois does not require motorists to have minimum auto liability limits in place for their own vehicles. Uninsured motorist coverage can help a business pay for medical expenses as well as certain property damages that occur due to an accident involving an uninsured motorist.
Cargo insurance is not required by law in Illinois but is strongly recommended for commercial truck operators who routinely transport goods from place to place. Cargo insurance helps protect a business from losses associated with damage or theft of goods while they are in transit; this type of coverage is typically provided on either a broad or limited basis, depending on the company offering it. Businesses should carefully review the terms of the policy before making a purchase so they can understand what losses are covered and what limits are in effect.
Environmental Contamination Coverage
Businesses that frequently transport hazardous materials must also consider purchasing environmental contamination coverage for their commercial trucks. This type of coverage helps cover the cost of clean-up and remediation from any environmental damage that might occur due to an accident involving a leaking hazardous material tanker truck. It is important to note that some states impose stricter requirements on these types of operations, so it is important that businesses look into their local and state laws in order to ensure compliance.
Medical Payments Coverage
Commercial truck drivers who are injured in an accident involving their vehicles often require extensive medical treatment. Medical payments coverage helps pay for the necessary medical care and can even reimburse lost wages if the driver is unable to work due to their injuries. This type of coverage is not required by law but can be a valuable asset in protecting a business’s bottom line following an accident.
All commercial trucks operating in Illinois must also comply with state regulations regarding size and weight restrictions. Any vehicle over legal limits must obtain an oversize/overweight permit from the state in order to be legally operated on public roads and highways. Companies must familiarize themselves with the regulations for obtaining these permits prior to beginning any transport operation utilizing an oversized or overweight vehicle.
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 Illinois business types. >Click here to get your free Illinois 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.
Overall, Illinois has specific requirements regarding commercial truck insurance and additional regulations for certain types of transport operations done within the state. Businesses that conduct operations in Illinois must understand what types of coverage are required for their fleets and must follow all laws pertaining to size and weight restrictions or face penalties. With careful planning, businesses can put themselves in a better position to handle any financial losses that could be associated with an accident or other incident involving their trucks.