LTL Trucking Insurance

Posted on July 31, 2017

LTL trucking refers to trucking operations whereby relatively small loads are carried. Due to the flexibility of the loads to be carried, many deliveries can be made at a faster rate than other trucking operations. LTL trucking also faces challenges due to the many threats that it is exposed to such as theft and accidents which can affect your operations. To protect you from the effects of such incidents, we offer a variety of covers as listed below in a bid to make your operations much more fruitful.

Liability cover: when you get into an accident and you cause damage to another car or someone’s property, you will be liable to pay for any expenses that they will incur in fixing their cars and property. To protect you from having to bear the brunt of such expenses, we offer you a liability cover against such expenses such that we will take on the responsibility of paying for the damages caused to other people’s property as a result of your actions.

A body injury cover is also included in the liability cover whereby if the extent of the damages that you caused extends to causing bodily harm to pedestrians or motorists, we will pay the medical bills for the injured parties.

Collision insurance: where you get into an accident through your fault, we will cover you against any losses accruing from damage to your car by paying for repair of your truck. We will go a step further and compensate you for the loss of income that you will suffer for the period when your truck is being worked on.

Comprehensive cover: as an LTL trucking insurance provider, we know that your truck can also get damaged by other means other than collision which includes but are not limited to fire, theft, and hitting of animals. We will cover the expenses required to either fix or replace your truck and we will compensate you for the loss of income that you will be exposed to as your truck gets fixed or replaced.

Cargo coverage: in the event that the cargo that you are hauling gets lost, damaged or stolen in the process, we will cover you against the loss you will suffer. We have options that you can choose from such that you can choose what type of cargo you want to insure and for how much.

Loading and unloading coverage: damage can come to the cargo during loading and unloading and we are here to protect you from incurring a loss as a result of the damage. This is important because cargo coverage does not extend to covering such damages.

Towing and storage: in the case of an accident, we will tow your truck and store it in a safe place at no charge as long as you have paid for this cover. If you wish to have us take care of debris removal at the accident site, you can get a debris removal cover and we will clean up the accident site.

Other types of coverage include combined deductibles, bobtail insurance and earned freight. LTL trucking is a very profitable venture and by taking advantage of our LTL trucking insurance, you will be safeguarded from losses that could come about due to challenges during your operation.

Flatbed Trucking Insurance

Posted on July 19, 2017

A flat bed truck is a truck which has no sides or roof and it is a great way of carrying loads because the lack of sides makes it easy for loading and unloading to take place with ease. Flatbed trucking is ideal for cargo that is not sensitive to weather effects and cargo which cannot fit in enclosed spaces. As a flatbed trucker, you will face a number of challenges as follows:

Securing the load:

Due to their lack of sides; flatbed trucks pose a great danger to anyone who passes near the load while the truck is moving. You will be responsible for making sure that the load is well secured to ensure that the cargo does not hit anyone causing injury or death.

Accidents:

Flatbed trucking involves the carrying of loads such as pipes which could fall onto the road causing harm to other motorists on the road and you will be held responsible for such incidents. Flatbed trucking insurance enables you to rest assured that you will be covered against any suits brought up against you as a result of such an accident. In a case where you are not carrying cargo, the truck can become too light and could jack-knife which can cause accidents. We will cover you against this as well.

Theft:

Having your load open to the public eye catches people’s attention and the open nature of the truck also makes it easy for people to try and steal from you. Should they be successful in stealing cargo from the truck, we will cover you against the losses incurred.

Our covers include:

Liability: with flatbed trucking, cargo can easily shift from its position and end up hurting someone or damaging someone’s property in the process. We will cover you against the expenses that you would incur in such an event.

Physical damage: this refers to any damage that will come to your truck in the form of a collision with another car, a fire, theft or animals running onto the road and causing an accident. We also cover against theft of or damage to the equipment used in the fastening of cargo onto the truck.

Cargo insurance: cargo can get damaged during hauling, loading and unloading. Given the high value of some cargo, we will insure you to protect you from losses incurred from damage to the cargo. You are also free to apply for more coverage if you feel that the cargo is at a lot of risk.

Trailer interchange: this applies to you if you own the tractor but the flatbed trailers that you haul do not belong to you. We will cover you against any damage to your tractor that you are subject to as a result of the hauling.

Flatbed trucking is faced with a lot of challenges which include but are not limited to accidents, theft and damage to cargo. Flatbed trucking insurance protects you from having to take the hit in the occurrence of any such event and in this way, we protect your business.