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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 and Trailer Interchange
Kansas Commercial Truck Insurance and Requirements
Every day, commercial trucks are responsible for delivering a variety of goods and services across the United States, including those to and from Kansas. Whether delivering fresh produce, raw materials for manufacturing, or large-scale transport such as fuel or livestock, commercial trucks are an essential part of commerce and daily life. With so much traffic, rules and regulations have been put in place to ensure that these heavy vehicles are a safe presence on the roads. One important element of such regulation is the requirement for commercial truck insurance.
What is Kansas Commercial Truck Insurance?
Kansas Commercial truck insurance is an insurance policy designed specifically for businesses that operate large for-hire or private motorized vehicles. This type of insurance policy provides financial protection in the event of accidents, damage, theft, or other liability issues related to the operation of a commercial truck. It is required in order to comply with the state’s laws and regulations.
In order to obtain commercial truck insurance in Kansas, drivers must demonstrate that they have met the state’s minimum financial responsibility requirements. These can vary depending on the type of vehicle being operated, its Gross Vehicle Weight Rating (GVWR), and any additional insureds on the policy. Policies must include a minimum level of coverage for bodily injury, property damage, and uninsured/underinsured motorist protection. These policies will be tailored to the individual needs of each business based upon the types of equipment and vehicles being covered.
In order to legally drive a commercial vehicle in Kansas, drivers must have a valid Class A, B or C commercial driver’s license (CDL). These licenses indicate that the driver has passed a series of tests and is certified to operate a commercial vehicle in accordance with all regulations. Drivers must also meet additional qualifications for age, experience and driving record.
In addition to obtaining a valid CDL, drivers should also have a medical card in order to operate a motor vehicle in Kansas. This card is obtained from the Federal Motor Carrier Safety Administration (FMCSA) and indicates that the driver is medically qualified to operate a commercial vehicle. The medical card must be renewed every two years to remain valid.
There are certain requirements that all vehicles operated in Kansas must abide by when participating in interstate commerce. All vehicles must be inspected according to federal regulations. Inspections should be conducted on vehicles at least once every 12 months or after 10,000 miles on the road. During inspections, all components such as brakes and exhaust systems must be properly functioning, and markers or flags should be put in place if any safety violations are discovered.
In addition to regularly scheduled inspections, vehicles must also display certain markings in order to comply with federal regulations. These include USDOT numbers, city of origin markers, Hazardous Materials (HazMat) placards as required by law, and warning signs indicating hazardous materials are being transported.
All vehicles operating in Kansas must also comply with weight limits set by the state. This includes GVWs as well as maximum axle weights (8,000 lbs) in rural areas or cities with populations fewer than 50,000 people; maximum weights are increased within certain cities (10,000 lbs). All vehicles over 80,000 lbs GVW require special permits for loading based upon axle spacing as determined by engineering feasibility studies conducted by local municipalities.
Finally, all commercial vehicles must maintain valid registration at all times while operating in Kansas; failure to do so may result in fines and/or impoundment of the vehicle.
Commercial trucking operations operating in Kansas must carry Liability insurance and Bodily Injury Protection insurance at all times; these are the minimum coverage types required by law and are designed to protect against non-vehicle liabilities related accidents. Liability coverage must meet or exceed $750,000 per occurrence limit; Bodily Injury Protections should also meet or exceed $500,000 per occurrence with $500 deductible limits per occurrence recommended.
A variety of other coverages may also be necessary depending upon the particular nature of the business being operated; these could include Uninsured/Underinsured Motorist coverages (UIM), Property Damage coverages (PD), Physical Damage protection such as Comprehensive and Collision coverages (CM/C), Medical Payments coverages (MP), Bobtail insurance, Non-Trucking Liability coverages (NTL), Cargo Liability protection (CGL) among others. Each business will need to review carefully what types and limits of coverage are necessary for their situation in order to comply with both state and federal regulations as well as protect their assets appropriately from potential liabilities.
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 Kansas business types. >Click here to get your free Kansas 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.
Operating a commercial vehicle business is both a big responsibility as well as a major expense for businesses who need to remain compliant with multiple levels of regulations both state and federal as well as adequately insure their equipment and drivers appropriately. It is important for businesses to review their particular situation thoroughly with their insurance provider to ensure they understand what coverage they need and how much they need it in order to meet both government requirements as well as maintain their financial security from potential liabilities associated with their operations. Taking proper steps now can save time, hassle and money in the long run, so it is always beneficial to work work with a provider who understands all aspects of commercial truck operations for the best outcome possible for your business operations in Kansas.