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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
Introduction
Rhode Island commercial truck insurance is a type of insurance that is designed to protect business owners who own and operate commercial trucks in the state of Rhode Island. This type of insurance covers a variety of different liabilities associated with owning and operating a commercial truck in the state, including physical damage coverage, liability coverage, workers’ compensation, and cargo insurance. It is important for any business operating commercial trucks in the state of Rhode Island to be aware of and understand the specific requirements related to this form of insurance, as failure to obtain the correct coverage could result in significant losses.
We will take a look at the Rhode Island commercial truck insurance and its requirements, looking at what types of coverage are available, who needs it, how to obtain it, and more.
What is Rhode Island Commercial Truck Insurance?
Rhode Island commercial truck insurance is a type of insurance that businesses need when they own and operate commercial trucks in the state of Rhode Island. It ensures businesses are protected from expenses associated with the risks of owning and operating a commercial truck in Rhode Island. This form of insurance covers physical damage caused to the vehicles, liability issues associated with others using or being around the trucks during use, and cargo coverage if items are stolen or damaged while in transit. This type of insurance also includes workers’ compensation for any employee driving or riding in a commercial truck who is injured or becomes ill while on the job.
Who Needs Rhode Island Commercial Truck Insurance?
Any business or individual who owns or operates any kind of commercial truck in the state of Rhode Island must purchase some form of commercial truck insurance. This includes those who own semi-trucks, box-trucks, trash-trucks, dump-trucks, tanker-trucks, mobile food vendors, cars for hire, and more. Rhode Island does not require businesses to carry minimum amounts of coverage for vehicles registered within the state; however, it is important for business owners to obtain enough coverage to ensure they are protected from losses associated with any accident, incident or liability.
Types of Coverage Available
Rhode Island commercial truck insurance typically includes three main types of coverage; physical damage coverage, liability coverage and cargo insurance.
Physical Damage Coverage
Physical damage coverage helps protect businesses from losses associated with any repairs that need to be made after accidents or incidents involving their commercial trucks. This includes damages caused by collisions as well as fires, storms and other types of events. Physical damage coverage can be purchased as either comprehensive or collision coverage; comprehensive coverage typically provides more protection but tends to be more expensive.
Liability Coverage
Liability coverage helps businesses protect themselves against any legal liability they may incur if someone is harmed while their commercial truck is being operated unlawfully or irresponsibly. This includes medical costs due to medical negligence or personal injury caused by an accident. Liability coverage can also provide defense costs if any lawsuits are filed against the business due to its operations.
Cargo Insurance
Cargo insurance helps protect businesses from losses incurred if products and/or merchandise is stolen or damaged while being transported in a commercial truck. This type of insurance usually covers any cost associated with replacing stolen items as well as any repairs needed for damaged items.
Workers’ Compensation
Workers’ compensation helps protect businesses from costs related to employees who are injured or become ill while operating a commercial truck in the state. This type of insurance typically covers medical costs related to injuries sustained during work as well as lost wages if an employee is unable to work due to their injuries or illness.
How to Obtain Rhode Island Commercial Truck Insurance
In order to obtain Rhode Island commercial truck insurance, businesses must first contact an independent insurance agent who specializes in this type of policy. The agent will be able to help businesses determine which types and amounts of coverage are right for them based on their specific situation as well as their budget. It is important to note that the premiums charged for this type of policy can vary drastically depending on the types and amounts of coverage chosen. Additionally, businesses may be required to submit certain business documents such as proof of registration before they can purchase a policy.
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 Rhode Island business types. >Click here to get your free Rhode Island 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.
Rhode Island commercial truck insurance is an essential form of protection for any business that owns and operates commercial trucks in the state. This type of policy provides protection from physical damage costs, liability matters and cargo losses associated with running a business involving commercial trucks in Rhode Island. Businesses must contact an independent insurance agent to obtain the correct types and amounts of coverage for their specific situation. Understanding these requirements can help business owners ensure they remain adequately protected from the numerous risks associated with owning and operating commercial trucks in Rhode Island.