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Call us today to get complete South Carolina 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
What Is South Carolina Commercial Truck Insurance?
South Carolina commercial truck insurance is a type of insurance policy specifically designed for businesses that operate trucks in the state of South Carolina. This insurance provides coverage for bodily injury and property damage caused by vehicles being operated for business purposes. It includes liability insurance that pays out if a third-party is injured or their property is damaged as a result of negligence by a truck driver, as well as motor vehicle insurance, which covers any physical loss or damage to the truck itself.
The insurance can be tailored to protect the business from any financial losses they may incur as a result of an accident or other unforeseen circumstance. This includes payments made towards replacement parts, repairs, medical bills, legal fees and any other costs associated with the incident. It also covers compensation to third parties for any resulting losses suffered as a result of their involvement in the incident, for example medical bills, lost wages and pain and suffering.
In addition to offering coverage for harm caused by a company’s own vehicles, other types of South Carolina commercial truck insurance can provide protection for freight haulers, cargo carriers and transportation brokers from losses experienced due to weather, accidents, theft and other types of claims.
What Are the South Carolina Commercial Truck Insurance Requirements?
The requirements for South Carolina commercial truck insurance will vary depending on the nature of the business, but all businesses must have both minimum liability coverage and motor vehicle coverage. As per the state’s requirements, the minimum liability coverage a business must carry is $50,000/$100,000 bodily injury or death and $25,000 property damage. Motor vehicle coverage must have limits of no less than $25,000 per vehicle while in use. However, different types of businesses may require slightly higher minimums.
South Carolina also requires all motor carriers in its jurisdiction to register with the Federal Motor Carrier Safety Administration (FMCSA) and be issued an Operating Authority License. This license allows businesses to transport other parties’ goods with certain restrictions. In order to obtain an Operating Authority License, businesses must purchase the necessary coverage from one of South Carolina’s authorized insurers. The coverage must include limits equal to the statutory limits outlined above.
In addition to the purchase of appropriate commercial truck insurance, businesses operating in South Carolina must also comply with Department of Transportation (DOT) requirements and possess a valid Commercial Driver’s License (CDL). All drivers must adhere to strict safety regulations including drug and alcohol testing, driver hours restrictions and vehicle inspections.
What Types Of Coverage Are Available In South Carolina Commercial Truck Insurance?
In addition to liability and motor vehicle coverage, there are many other types of coverages available through South Carolina commercial truck insurance policies that provide protection against additional risks. For example, comprehensive coverage protects against physical damage or loss due to fire, weather-related causes such as hail or storms, theft or vandalism and other accidental losses. Collision coverage pays for damages resulting from direct contact between a company’s truck and another vehicle or object. Cargo insurance covers against the loss or damage of goods being transported by a business’s vehicles. Non-trucking liability coverage protects against liability when vehicles are not being used for commercial purposes. Business interruption insurance covers any losses resulting from a business being unable to operate after an accident or similar event. Uninsured motorist coverage provides protection against motorist on the road who are uninsured or don’t meet South Carolina’s minimum requirements. There are also coverages available that protect against employee injuries or lawsuits.
What Additional Services Are Available With South Carolina Commercial Truck Insurance?
Many of South Carolina’s authorized insurers offer additional services that provide companies with additional help managing their insurance program. These additional services often include things like claims processing assistance, expert advice on handling claims quickly and efficiently and access to risk management resources. They will also tailor policies to meet specific needs such as providing cargo insurance for perishable goods or non-trucking liability coverage for vehicles used for personal reasons.
These experts can help mitigate risks arising from participating in interstate commerce activities by providing tools such as driver training programs, pre-trip inspections and policy reviews to help ensure your business is compliant with the necessary regulations and laws. They can also provide risk assessment studies and safety audits to assist in improving safety standards for both employees and passengers who travel in company vehicles.
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 South Carolina business types. >Click here to get your free South Carolina 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.
South Carolina commercial truck insurance is an essential form of insurance for businesses operating vehicles in the state. It helps protect them against financial losses due to accidents, theft or other unforeseen circumstances while helping ensure they are compliant with federal regulations and legal obligations. There are many different types of coverages available through South Carolina commercial truck insurance policies including liability, motor vehicle, comprehensive and cargo insurance among others that provide additional protection against specific risks associated with operating a fleet in the state. Many insurers offer additional services such as claims assistance, risk management resources and driver training programs that can help businesses improve safety standards and manage their fleets more effectively.