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Pennsylvania MOST REQUESTED COVERAGE’S
Motor Truck Cargo Coverage
Commercial General Liability
Personal Injury Protection (PIP)
Pennsylvania Commercial Truck Insurance and Requirements
Commercial trucking is an integral part of the transportation industry, helping to move goods and materials across the country. As such, states have created regulations to ensure safe and compliant operation of these vehicles. One such regulation is that commercial trucks in Pennsylvania must be equipped with a certain level of insurance coverage in order to legally operate. Lets go over specific Pennsylvania commercial truck insurance requirements and how you can make sure you’re compliant.
First, we’ll discuss what types of businesses are required to purchase commercial truck insurance. In Pennsylvania, all businesses that use trucks for commercial purposes must have a special commercial truck insurance policy in place. This includes but is not limited to auto transport companies, trucking companies, food delivery services, courier services, taxi services, and even moving companies. Additionally, any vehicles that carry over 15 persons or are used to transport hazardous materials must also have a commercial truck insurance policy. It’s important to note that some non-commercial vehicles may qualify for commercial truck insurance policies as well – for example, tow trucks, pickup trucks with campers or box vans, and recreational vehicles.
Once you’ve determined your business requires a commercial truck insurance policy, the next step is understanding what type of coverage is necessary for your particular business. In Pennsylvania, all commercial trucks must have a minimum of $750,000 in liability protection. This type of coverage can help protect you financially if someone were to injure themselves or damage property while operating one of your trucks. Liability protection may also offer additional protection depending on the nature of your business operations – such as medical payments coverage if you operate a taxi service or cargo coverage if you transport goods.
In addition to liability coverage, there are several other types of coverage you should consider to adequately protect your business and its drivers:
•Physical Damage Coverage – This type of coverage helps to protect your vehicles in the event of an accident. Comprehensive physical damage coverage typically reimburses the cost of repairs after an accident, while collision coverage covers damage caused when two vehicles collide with each other.
•Uninsured and Underinsured Motorist Coverage – This coverage protects you in the event that an uninsured driver causes an accident with one of your commercial trucks. It can also help cover any medical expenses if drivers or passengers suffer an injury as the result of such an accident.
•Contingent Liability Coverage – This type of coverage helps to protect you if one of your drivers causes an accident while using someone else’s vehicle for work-related purposes.
•Lost Income Coverage – If one of your drivers is out due to injury or illness sustained as the result of an accident, this type of coverage can help reimburse some portion of their income until they can resume work. (Not available from all companies)
•Non-Trucking Liability Coverage – If you hire either owner-operators or independent contractors who drive their own vehicles while they are working for your business, this type of coverage can help protect you if they get into an accident while actively working for you.
In addition to purchasing the necessary level and types of insurance coverage, it’s important to know that there are additional requirements businesses must comply with when operating commercial trucks in Pennsylvania. These include having a valid U.S. Department of Transportation (USDOT) number, keeping up-to-date records for at least six years, properly licensing and registering all drivers, registering any leased vehicles immediately, conducting background checks on any new drivers hired, and displaying proper permits on all vehicles that require them. Additionally, businesses should make sure their drivers complete the state-mandated hours-of-service log each day as well as perform regular inspections on their vehicles.
Finally, businesses should be aware that failure to comply with these rules may result in significant fines from the state government and law enforcement officers. Depending on the severity of the violation and/or any prior violations on record, fines can range anywhere from $1,000 to $25,000 per offense. Additionally, violation points may be added to individual driver records which can lead to higher insurance premiums or even canceled policies if certain thresholds are exceeded.
In conclusion, there are extensive requirements governing commercial trucking operations in Pennsylvania – both related to insurance and other standards set by state regulators. Adhering to these standards can help protect businesses and their drivers as well as ensure continued legal operations. Be sure to consult with an experienced insurance broker if you have questions about Pennsylvania’s commercial truck insurance requirements to make sure you’re compliant with all applicable laws.
Below are the classifications of Pennsylvania 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 Pennsylvania 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 Pennsylvania business types.
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 – 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.
Pennsylvania Heavy Construction Contractors-
SIC Code-1622-Bridge, tunnel, & elevated highway construction
SIC Code-1629-Heavy construction
SIC Code-1611-Highway & street construction
SIC Code-1623-Water, sewer, & utility lines
Pennsylvania Petroleum & Coal Products-
SIC Code-2952-Asphalt felts & coatings
SIC Code-2951-Asphalt paving mixtures & blocks
SIC Code-2992-Lubricating oils & greases
SIC Code-2999-Petroleum & coal products
SIC Code-2911-Petroleum refining
Pennsylvania Special Trade Contractors-
SIC Code-1751-Carpentry work
SIC Code-1771-Concrete work
SIC Code-1731-Electrical work
SIC Code-1794-Excavation work
SIC Code-1752-Floor laying & floor work
SIC Code-1793-Glass & glazing work
SIC Code-1796-Installing building equipment
SIC Code-1741-Masonry & other stone work
SIC Code-1721-Painting & paper hanging
SIC Code-1742-Plastering, drywall, & insulation
SIC Code-1711-Plumbing, heating, air-conditioning
SIC Code-1761-Roofing, siding, & sheet metal work
SIC Code-1799-Special trade contractors
SIC Code-1791-Structural steel erection
SIC Code-1743-Terrazzo, tile, marble, mosaic work
SIC Code-1781-Water well drilling
SIC Code-1795-Wrecking & demolition work
Big Rig Insurance Pennsylvania Transportation Equipment-
SIC Code-3724-Aircraft engines & engine parts
SIC Code-3728-Aircraft parts & equipment
SIC Code-3732-Boat building & repairing
SIC Code-3761-Guided missiles & space vehicles
SIC Code-3751-Motorcycles, bicycles, & parts
SIC Code-3716-Motor homes
SIC Code-3714-Motor vehicle parts & accessories
SIC Code-3711-Motor vehicles & car bodies
SIC Code-3743-Railroad equipment
SIC Code-3731-Ship building & repairing
SIC Code-3764-Space propulsion units & parts
SIC Code-3769-Space vehicle equipment
SIC Code-3795-Tanks & tank components
SIC Code-3799-Transportation equipment
SIC Code-3792-Travel trailers & campers
SIC Code-3713-Truck & bus bodies
SIC Code-3715-Truck trailers
Pennsylvania Transportation Services-
SIC Code-4731-Freight transportation arrangement
SIC Code-4785-Inspection & fixed facilities
SIC Code-4783-Packing & crating
SIC Code-4729-Passenger transport arrangement
SIC Code-4741-Rental of railroad cars
SIC Code-4725-Tour operators
SIC Code-4789-Transportation services
SIC Code-4724-Travel agencies
Big Rig Insurance Pennsylvania Trucking & Warehousing-
SIC Code-4215-Courier services, except by air
SIC Code-4221-Farm product warehousing & storage
SIC Code-4225-General warehousing & storage
SIC Code-4212-Local trucking, without storage
SIC Code-4214-Local trucking with storage
SIC Code-4222-Refrigerated warehousing & storage
SIC Code-4226-Special warehousing & storage
SIC Code-4213-Trucking, except local
SIC Code-4231-Trucking terminal facilities
Pennsylvania for Wholesale Trade – Nondurable Goods-
SIC Code-5181-Beer & ale
SIC Code-5192-Books, periodicals, & newspapers
SIC Code-5169-Chemicals & allied products
SIC Code-5143-Dairy products, exc. dried or canned
SIC Code-5122-Drugs, proprietaries, & sundries
SIC Code-5159-Farm-product raw materials
SIC Code-5191-Farm supplies
SIC Code-5146-Fish & seafood’s
SIC Code-5193-Flowers & florists’ supplies
SIC Code-5148-Fresh fruits & vegetables
SIC Code-5153-Grain & field beans
SIC Code-5149-Groceries & related products
SIC Code-5141-Groceries, general line
SIC Code-5113-Industrial & personal service paper
SIC Code-5147-Meats & meat products
SIC Code-5136-Men’s & boys’ clothing
SIC Code-5199-Nondurable goods
SIC Code-5142-Packaged frozen foods
SIC Code-5198-Paints, varnishes, & supplies
SIC Code-5171-Petroleum bulk stations & terminals
SIC Code-5172-Petroleum products
SIC Code-5131-Piece goods & notions
SIC Code-5162-Plastics materials & basic shapes
SIC Code-5144-Poultry & poultry products
SIC Code-5111-Printing & writing paper
SIC Code-5112-Stationery & office supplies
SIC Code-5194-Tobacco & tobacco products
SIC Code-5182-Wine & distilled beverages
SIC Code-5137-Women’s & children’s clothing
Is your Pennsylvania commercial trucking for hire operation ready to haul loads?
To check whether your FMCSA operating authority has been issued(granted) or not do this,
- Go to the SAFER website
- See bold heading “FMCSA Searches”
- Click on “Licensing & Insurance”
- Enter MC Number or USDOT Number in the appropriate box and click “search”
- Click “HTML”
- Scroll to bottom and click on “Authority History.” This page will display the granted date of the operating authority
We offer expert help and quality big rig insurance in the following counties in PA.
Adams, Allegheny, Armstrong, Beaver, Bedford, Berks, Blair, Bradford, Bucks, Butler, Cambria, Cameron, Carbon, Centre, Chester, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Delaware, Elk, Erie, Fayette, Forest, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Juniata, Lackawanna, Lancaster, Lawrence, Lebanon, Lehigh, Luzerne, Lycoming, McKean, Mercer, Mifflin, Monroe, Montgomery, Montour, Northampton, Northumberland, Perry, Philadelphia, Pike, Potter, Schuylkill, Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Venango, Warren, Washington, Wayne, Westmoreland, Wyoming, York