If you are in the trucking business, you will probably want to get some sort of protection for your drivers, trucks, and the load that they pull. Insurance premiums may be expensive, but in the long run it can cost you less than having to replace an entire rig and the load it pulls as well. Here is a helpful guide to getting truck driver liability insurance.

1. Make sure the driver has truck liability insurance.

Truck liability protects the driver from having to cover the cost of damage due to accidents. This is a federal requirement and not having this is punishable by law.

2. Check your coverage for general liability.

You can never be too careful when you are on the road so some insurance companies offer coverage for accidents and injuries incurred both while away from your rig and while driving.

3. Find out about coverage for your load as well.

It may be a good idea to check on whether or not your load is insured while you are hauling it. Things can get a little tricky here. Most insurance companies will be very hesitant about offering coverage for theft on target items such as clothing, electronics, and jewelry. And if they do offer to cover these items, it will probably mean that you have to pay a very high premium. If your company hauls these items regularly, you will definitely want to find out about this insurance, as paying for the cost of the load out of your own pocket may break your business? bank.

Finally, when you apply for insurance, make sure that you fill out the forms honestly and truthfully. You also have to submit the dollar value of your rig. Remember, do not undervalue or overvalue it! If you set its value too high, it will raise your premiums, and if it is too low, your coverage will only cover the rig to the amount that you disclosed.