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Call us today to get complete Wisconsin 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
Wisconsin Commercial Truck Insurance and Requirements
As part of the nation’s diverse commercial trucking industry, Wisconsin requires that any commercial trucks that operate within the state, as well as any carriers who transport goods to and from Wisconsin, must obtain proper insurance coverage. Learn here what safety regulations are in place for commercial truck drivers, the type of insurance coverage that is required, and the steps that you should take to obtain the right insurance coverage.
Safety Regulations for Commercial Truck Drivers in Wisconsin
In order to protect the public and the individuals who operate commercial trucks in Wisconsin, there are many state laws and regulations that truckers must comply with. Some of these laws include:
• All commercial vehicles must be inspected and maintained regularly according to Wisconsin requirements.
• Certain commercial vehicles must meet specific size and weight limits and may not exceed these limits when traveling on roads in the state.
• Commercial trucks must be equipped with the proper safety equipment such as headlights, brakes, and reflective tape.
• Truckers must be aware of their fatigue levels and should not exceed 12 consecutive hours of driving without taking a break.
• All drivers must be 21 years of age or older to operate a commercial vehicle in Wisconsin and must have a valid driver’s license issued by the state.
• Truckers must not exceed any speed limits or travel at excessive speeds in a construction area or any other restricted areas.
• Drivers are prohibited from using any electronic devices while operating a commercial truck in Wisconsin.
Insurance Coverage Requirements for Commercial Trucks in Wisconsin
Like all other states, Wisconsin requires that owners of commercial motor vehicles must carry a minimum amount of insurance coverage. This insurance coverage protects both the owner of the vehicle and others on the road that might be involved in an accident caused by an uninsured motorist. In most cases, Wisconsin law enforcement officers will simply verify that you have this basic insurance coverage before allowing you to drive legally on the roads.
The minimum amount of commercial auto insurance coverage required in Wisconsin is:
• Bodily Injury Liability Coverage: $25,000 per person/$50,000 per accident
• Property Damage Liability Coverage: $10,000 for each occurrence
• Uninsured Motorist Coverage: $25,000 per person/$50,000 per accident
It is important to note that these are only the bare minimum amounts of coverage that you will be required to carry in order to legally drive your commercial vehicle in Wisconsin. It is highly recommended that you obtain additional coverage beyond these amounts since they may not provide enough protection should you get into an accident. Other types of coverage available include underinsured motorist coverage, collision coverage, medical payments coverage, cargo insurance, and breakdown protection.
Steps for Obtaining Wisconsin Commercial Truck Insurance
To obtain Wisconsin Commercial Truck Insurance requires following a few simple steps:
1. Determine Your Needs – The first step is to determine what types of coverage you need for your vehicle and your business. Consider factors like the type of business you are running, the size and type of vehicle you drive, your predicted mileage, etc., when deciding what level of protection you need for your vehicle and your business’ operations.
2. Research Insurance Companies – Once you have determined what types of coverage you need, it is important to research different insurance companies to see which will offer you the best protection at an affordable rate. You can use online comparison tools to easily compare different rates and policies so that you can make an informed decision.
3. Find an Agent – Once you have chosen an insurance company that meets your needs, the next step is to find an agent or representative who will help you obtain your truck insurance. You can usually find local agents through online searches or through referrals from other insurance providers. Ask questions regarding their experience with truckers before making a final decision on whom to work with.
4. Obtain Quotes and Compare – After finding a suitable agent or representative to work with, ask them to provide quotes on several different levels of coverage so that you can compare and assess which plans best fit your needs and budget. Make sure that you get clear information about what each plan includes so there are no surprises later on.
>Click here to get your free Wisconsin Big Rig Truck Insurance Quote<
5. Finalize Your Insurance – Once you have compared all of the quotes provided to you and decided which plan fits your needs best, you can proceed to finalize your insurance policy by signing a contract with your chosen provider. Read through all documents carefully and make sure there is no ambiguity regarding what is included in your policy before signing anything binding.
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 Wisconsin business types. >Click here to get your free Wisconsin 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.
As you can see, it is important that commercial truck drivers operating in Wisconsin obtain proper insurance coverage in order to remain compliant with local laws and regulations. Through researching different providers and understanding what types of coverage are available, it is possible to find an insurance policy that provides adequate protection at an affordable rate. Ultimately, having proper insurance is key to protecting yourself as well as those around you should something unexpected happen while travelling on Wisconsin’s roads.