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Frequently asked questions

 

Do you handle Hotshot or Cargo Van insurance?

Absolutely, we offer a wide variety of insurance solutions for most every commercial auto operation. Whether it be Cargo Vans, Box Trucks, Hotshot, semis, or even personal vans and sedans. We also service over the road hauling as well as local deliveries.

Do I need renters insurance if I live with family?

The short answer is, Yes. If you're living with family, friends, roommates or on your own and you don't own the home/condo you're living in then you need renters insurance to provide liability coverage as well as for your personal property. If the people you are living with have renters or homeowners insurance it generally won't include coverage for your own personal property and doesn't extend the liability to you as your own renters policy would.

What coverages do truckers need?

There are a number of coverages that range from being required by FMCSA, required by carriers and dispatchers, or preferred/recommended coverages. For a typical over the road trucker the FMCSA is going to require $1,000,000 in liability. $100,000 will also be expected for your cargo coverage for most carriers and dispatchers. In rare circumstance you may only need $10,000 or up to $250,000 (usually when hauling new cars). Strongly recommended coverages include comprehensive and collision coverages (physical damage) as well as General Liability to cover your business. To get more information regarding the different coverages, reach out to one of our licensed experts to assist you.