Running your own business is hard and every out of pocket cost attributes to your operating overhead. One of the largest expenses is the insurance you carry on your vehicle. While it is there to protect you from any unfortunate events there are many factors to consider when deciding upon the insurance policy that is truly best for you and your operation.

Common Types Of Coverage

These are the most common types of coverage and what they will actually cover:

Truckers General Liability Coverage –  This will cover the actions of operating on someone else’s property like loading docks and truck stops and any mistakes in the delivery of your load.

Primary Liability Coverage – This will only cover any damage that may occur while operating your truck – not the truck itself. 

Physical Damage Coverage – This will cover the repair or replacement to your equipment in the case of an accident or theft.

Non-Trucking Liability Coverage – This will cover any injuries or damages to others when the truck isn’t under dispatch from the company that you are leased with. 

Motor Truck Cargo Coverage – This will cover your cargo if you have any stolen goods,refrigeration breakdown, debris removal and more.

Trailer Interchange – This will cover any non-owned trailer being used under a trailer interchange agreement. 

Medical Payment – This will cover any medical bills if you or a passenger is injured while driving or riding in the truck – however this will vary state to state. 

Prices can be as low as $8,000 or get as high as $30,000 – $40,000  a year to protect your business, your truck and yourself. Prices are variable depending on a number of different things, your rig, driving record, and deductibles. It is important that you are getting the most out of your policy and we can customize a policy to your specific needs. 

Russell Insurance Agency works with Owner Operators to protect their investment at the best pricing they can get. Its worth taking another look at your policy to make sure you aren’t paying too much and have the correct policy you need. 

To discuss your coverage options and get a no obligation free quote, contact Russell Insurance Agency in Robertsdale, AL. They've been serving businesses and individuals throughout lower Alabama for more than 20 years. They make customer service their number one priority, and they specialize in home, life, business, and auto insurance. Visit their Facebook page to view directions and business hours or call (251) 947-3607 to request a free quote.