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Call us today to get complete North Dakota 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
Any business that operates commercial motor vehicles in the state of North Dakota is required to purchase and maintain commercial truck insurance. This insurance is designed to protect companies from unexpected expenses, such as medical and repair bills associated with accidents and other vehicle damages. Commercial truck insurance is also designed to help businesses meet their legal obligations to other parties involved in any incident.
Now we will break down North Dakota’s requirements for obtaining and maintaining commercial truck insurance and discuss the benefits of carrying the right coverage.
What is Commercial Truck Insurance?
Commercial truck insurance covers vehicles used for business purposes such as delivering goods, transporting passengers or materials, and construction work. It is a type of liability coverage that is designed to protect businesses in case of an accident or other damages to a third party or their property. Commercial truck insurance typically includes property damage, bodily injury, accidental death, and personal injury protection, among other coverage options.
North Dakota Commercial Truck Insurance Requirements
In North Dakota, all commercial motor vehicles must be covered by commercial truck insurance. The required minimum limits of coverage are:
$300,000 for bodily injuries/death per accident
$50,000 for property damage per accident.
In addition to this insurance coverage, you may also need additional coverage or endorsements depending on what type of operation you have and where you plan to operate the vehicle. For instance, if you plan to travel across state lines or operate in Canada, you may need additional liability coverage. Furthermore, if your vehicle will be hauling hazardous materials, you may need an endorsement that offers extra protection in case of an accident or spillage.
Benefits of Carrying the Right Coverage
Carrying the right coverage can provide peace of mind in knowing your business will be financially protected in the case of an accident or damage caused to another’s property. Having the proper insurance also indicates your company’s respective level of preparedness and responsibility when it comes to safety and legal compliance. Furthermore, having enough coverage in place can enable businesses to fulfill contractual requirements and win new customers. Ultimately, carrying the right coverage allows businesses to operate confidently knowing they are prepared for any situation that may arise while on the road.
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 North Dakota business types. >Click here to get your free North Dakota 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.
North Dakota requires all commercial motor vehicles be covered by commercial truck insurance with minimum limits of $300,000 for bodily injuries/death per accident and $50,000 for property damage per accident. Carrying the right coverage can provide peace of mind and ensure businesses are operating safely and legally compliant. Hopefully, we have given you an understanding of North Dakota’s requirements for obtaining and maintaining commercial truck insurance and the many benefits it can bring to your business.