Western Truck Insurance Services, Inc

Trucking Insurance Services

• General Liability Trucking Insurance

  As the name implies this coverage pertains to very broad 3rd party liability coverage other than automobile. Protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract are some of the more customary types of risk this coverage is intended for. This policy can also include many options specific for your type of business (ie: garage, pollution; environmental; underground; professional).

• Truck Liability Insurance

  This is usually the most costly portion of any trucking company’s insurance package. Protecting you from damage or injuries to other people as a result of truck accidents this coverage is also required by the State and Federal agencies and a form of proof (filings) is required to be sent to them.

• Physical Damage Truck Insurance

  Described as First Party Insurance this coverage provides you protection for your investment in truck and trailer equipment. It is provided on a specified perils or comprehensive basis and collision. The choice to select specified perils over comprehensive is generally due to price considerations. Western Truck Insurance almost always recommends comprehensive coverage as the price difference is generally not enough to risk having a claim denied.

• Trailer Interchange Coverage and Non-Owned Trailer

  Trucking operations regularly involve the use of someone else’s trailer. You need protection for damage you do to a trailer not owned by you. Trailer Interchange coverage provides that protection when there is a written trailer interchange agreement that you have agreed to. It provides protection when you have care, custody and control of one, or many, trailers; whether they are attached to your truck or not.

• Motor Truck Cargo Insurance

  Motor Truck Cargo insurance protects the transporter for his responsibility in the event of damaged or lost freight. The policy is purchased with a maximum load limit per vehicle. Under-insuring the load can prove catastrophic to you in the event of a claim. Make sure you understand the concept of co-insurance.The transporter of freight, and commodities, assumes responsibility for the cargo he has taken control of. The amount of that responsibility should be clearly established and understood by both the shipper and the transporter before the shipment is moved. This is usually done by contract, by bill of lading disclosure, or by published tariffs. Unfortunately, this level of detail is often overlooked by both parties.

• Truckers Pollution Coverage

  The standard Auto and General Liability policy specifically excludes pollution coverage. Pollution is generally defined as the discharge, release or escape of pollutants. If your operations have you transporting hazardous materials you need to work with your insurance agent to make sure your policy includes the Truckers Broadened Pollution endorsement, and, in some cases, a full pollution insurance policy. Some of the better trucking insurance policies automatically include this endorsement. The sudden and accidental pollution, when a tank of diesel fuel gets spilled in an accident, is addressed in the MCS90 endorsement which should be included in all interstate trucking for hire policies.

• Commercial Property Insurance

  This coverage, as its name implies, covers various types of commercial property. Property is generally broken down into Buildings and Business Personal Property. Integrated into this policy is coverage for lost income and extra expenses that might be incurred as a result of a loss. Your insurance broker relies upon a careful discussion of your operations and exposures to properly assess and select the correct limits and coverages.

• Commercial Equipment Insurance

  Also referred to as contractor’s equipment coverage, commercial equipment insurance coverage provides physical damage protection for various equipment and machinery that is not designed to be covered under the commercial property policy. Mobile items such as forklifts, backhoes, tools, padding and dollies, etc., are covered under this policy.

• Workers Compensation Insurance & Occupational Injury Insurance

  Employers are generally required by law to provide workers compensation insurance as protection for job related injury or disease for their employees. These policies are written and priced based upon the duties and payroll amount of the employees. Trucking and warehousing operations remain one of the high rated types of employment due to the frequency and severity of injuries that occur.

• Trucking Bonds

  The transportation industry, like the construction industry, has many situations where a bond is required in order to obtain work or a permit to operate.

• Commercial Truck Roadside Assistance

  Western Truck Insurance offers commercial truck roadside assistance services. This is a great and inexpensive service that can easily save you thousands of dollars. Here are the benefits: Unlimited Roadside Assistance Towing – up to 50 miles per disablement Flat Tire Assistance Tire Replacement Assistance – up to $100 per disablement Mobile Mechanic Service Vehicle Winching / Extricating Custom Trip Routing / Navigation Assistance Vehicle Jump start Hotel and Travel Discounts Oil, Fluid and Water Delivery Service Lockout / Replacement Key Services – up to $100 Fuel Delivery Service – up to 30 gallons of fuel Concierge Service – restaurants, lodging, truck stops, fuel stops, etc. Road America’s Savings Connection Program – save on prescriptions, car rentals, theme parks ane more Truck Rental AssistanceRoadside assistance is available through Western Truck Insurance Services for only $399 per year, or take advantage of the ea