Trucking Insurance:
The Federal Motor Carrier Safety Administration (FMCSA) and the state of Iowa have regulations requiring trucking companies to maintain minimum amounts of liability coverage. Having proper trucking insurance can help provide valuable financial protection for your operation.
Contact the trucking and commercial auto insurance experts at Heritage Insurance & Real Estate in Jefferson, Iowa, to get trucking insurance to meet your needs.
The FMCSA requires all trucking operations to purchase public liability insurance to help cover a truck driver’s potential legal liability for injuries and property damage. Iowa requires all companies using vehicles for business purposes to carry minimum amounts of commercial auto liability coverage. This insurance may help cover third-party bodily injury and property damage claims up to the policy’s dollar limits.
Depending on your situation and needs, your agent may recommend that you also purchase the following optional coverages:
Trucking excess liability insurance, also called umbrella insurance, may help cover your trucking operation’s legal liability for bodily injuries and property damage if those damages exceed the limits of your other liability insurance policies.
For example, if your company is legally liable for $1.5 million in damages after a severe accident, but your primary liability policy’s limit is $1 million, a trucking excess liability policy may help pay the remaining $500,000. Your agent can help determine whether trucking excess insurance is appropriate for your trucking operation.
Your trucking insurance premiums depend on numerous factors about the truck’s driver, insurance policies and limits, and the cargo type you haul.
Insurance companies set premiums using proprietary algorithms so that rates may vary from one insurer to the next. Your agent can help you get multiple trucking insurance quotes from reputable insurers.
Get A Quote
Start with a quick online quote or call 800-850-2263 to speak directly with an experienced agent. Whether you prefer convenience or personalized guidance, we’re here to help you find the right insurance solution.
Office Hours:
Mon-Thu: 8:00am – 4:30pm
Fri: 8:00am – 4:00pm
Sat-Sun: Closed
