Commercial Trucking Insurance in Massachusetts

What coverages are available through commercial truck insurance policies?

Commercial truck insurance policies typically make a variety of coverages available, which is how the policies usually can offer protection against accidents, vehicle damage, loss of cargo and more risks. Some of the more commonly offered coverages are:

• Liability Coverage, which might cover non-employee injuries and property damage
• Physical Damage Coverage, which might cover vehicle damage to owned trucks
• Interchange Coverage, which might cover damage to unowned trailers
• Trailer Cargo Coverage, which might cover damage to/loss of cargo 
• Downtime Coverage, which might cover trucks when they aren’t driven
• Non-Trucking Coverage, which might cover trucks when they’re driven for personal use
• Underinsured/Uninsured Motorist Coverage, which might cover accidents with uninsured drivers

Interchange coverage is also known as unidentified trailer coverage.

What cargos can commercial trucking policies protect?

Commercial trucking policies offer coverage for a wide array of different cargos. Gravel companies can usually find a policy that protects low-value goods, such as rocks and dirt. Freight companies normally have no problem finding policies that cover higher-value, and even expensive, shipments.

Additionally, coverage for hazardous materials and other specialized loads is also often readily available. An experienced agent can assist with finding trailer cargo coverage for loads like these.

How are premiums for commercial trucking policies calculated?

Insurance companies look at many different factors when calculating premiums for commercial trucking policies. A business’s location, types of trucks, classes of cargo, annual mileage, and fleet size frequently all have an impact on premiums. So can drivers' experience and records, and the business’s past claims history.

How can Massachusetts businesses get quotes for commercial trucking insurance?

If you need help insuring trucks that are commercially registered in Massachusetts, contact the independent insurance agents at Garrity Insurance. Our agents are well-versed in commercial trucking insurance and have the expertise necessary to get you the type of policy that your trucks need. We can show you quotes for several policies since we’re an independent agency.