Everyday Washington State truckers come to our big rig insurance brokers for quick help (855) 826-0321.
Big Rig Insurance Washington State Brokers have most any type of bonds needed for your trucking brokerage or freight forwarder operation please visit our bond search and bind facility located here BOND SEARCH
Call us today to get complete Washington State 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
Washington State Commercial Truck Insurance and Requirements
Operating a commercial truck in the state of Washington presents unique challenges. Not only must businesses meet the significant costs associated with maintaining and operating a large vehicle, they must also ensure that they are properly insured. Knowing the requirements and regulations related to commercial truck insurance in Washington State can help ensure smooth operation.
The Washington Department of Licensing (DOL) is responsible for administering commercial trucking regulations, including those related to insurance. These regulations apply to businesses operating a vehicle weighing more than 10,000 pounds or any combination of those vehicles weighing more than 26,000 pounds. This includes semi-trucks, utility trucks, dump trucks, garbage trucks, and other commercial vehicles.
Commercial truck insurers must be licensed by the Washington State Office of the Insurance Commissioner (OIC). All licensees must be approved by the OIC and display the Washington State Insurance Identification Numbers (WAISN) on all policy papers. Additionally, all licensees must comply with all state laws and regulations related to insurance.
In addition to obtaining insurance coverage from a licensed insurer, businesses operating commercial trucks in Washington State must also provide proof of financial responsibility through various coverage options. The most common type of coverage is liability insurance; this type of policy provides protection in the event of property damage or bodily injury caused by an accident involving a commercial truck. Liability coverage must meet certain minimum levels established by the DOL:
• $75,000 – Bodily Injury Coverage per Person
• $150,000 – Bodily Injury Coverage per Accident
• $25,000 – Property Damage Coverage
For-hire carriers must also obtain additional coverages such as cargo insurance, physical damage coverage (comprehensive and collision coverage), uninsured or underinsured motorist coverage, and workers’ compensation or automobile liability insurance. The specific types and amounts of coverage necessary will depend on the type of goods or services being transported, as well as the type of vehicle being used.
All drivers operating a commercial truck in Washington State must possess a valid commercial driver’s license (CDL). In addition to meeting the basic requirements for a CDL, drivers must also satisfactorily complete an approved driver safety course. The DOL maintains a list of approved courses for this purpose.
Additionally, drivers must obtain medical cards prior to operating a commercial vehicle within the state. This card may be obtained from the DOL or its designated medical examiners. The card attests that the driver is medically fit to operate the commercial vehicle in question. It is important to note that medical cards are only valid for two years; drivers are required to obtain a new one every two years in order to continue operating commercial vehicles within the state.
When it comes to reporting accidents, business owners operating commercial trucks in Washington State have specific requirements they must meet. According to the DOL, accidents that cause injury or property damage greater than $3,000 in value must be reported to their nearest law enforcement agency within 24 hours of the incident. Drivers must also complete an “Accident Report” form within 30 days of the incident which will be sent to the Washington Department of Transportation (WSDOT).
Businesses operating commercial vehicles in Washington State must adhere to strict regulations regarding maintenance and repair of their vehicles. All buses and trucks with a gross weight over 8,000 pounds must undergo annual inspections to ensure proper working order. Inspections can be conducted by either licensed dealers or third-party inspectors who will perform both exterior and internal inspections and issue a sticker verifying compliance thereafter.
Washington State commercial trucking regulations are in place to protect both corporations and individuals from negligent businesses operating in the state. Knowing these guidelines in full detail before beginning operations can help any business run smoothly and successfully for many years to come. By obtaining proper insurance coverage, satisfying legal requirements such as obtaining a valid CDL and medical cards and conducting regular vehicle inspections, businesses can ensure their success in this competitive industry.
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 Washington State business types. >Click here to get your free Washington State 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.