Truck Liability Insurance

Truck liability insurance protects you from damage or injuries to other people as a result of a truck accident and is usually the most costly portion of any trucking company's insurance package. Truck liability coverage is also mandated by the State and Federal agencies and a form of proof is required to be sent to them in order to operate.

Physical Damage Truck Insurance

Physical Damage insurance is the coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

Motor Truck Cargo Insurance

Truckers face a tremendous number of risk exposures, especially as they relate to the transportation of cargo. If cargo is damaged, lost, or stolen the hauler could be held responsible for any and all financial damages. That's why it is imperative a viable Motor Truck Cargo Insurance policy is in place.

At USA Insurance Brokers LLC, we can provide a Cargo Insurance policy to meet the needs of hauling companies or individual drivers alike. Our coverage can provide protection against damage caused by:

General Liability Insurance

As the name implies this coverage pertains to very broad 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.

Workers Compensation

Accidents happen — it's part of life. Whether the accident warrants a quick trip to the emergency room or a lengthy hospital stay, medical expenses are involved. When the accident occurs on the job, it's the employer who picks up the tab.

Unless the business is one of the exceptions, workers compensation insurance is not an option! Why? As a rule, a company with any employees is mandated to purchase workers compensation insurance in most states to cover medical expenses, permanent disability, and a portion of the injured employee's wages. On-the-job injury resulting in the death of an employee is also covered; a death benefit is paid to the worker's beneficiary. Companies can't afford not to purchase workers compensation insurance: under the law, a company who pays out workers compensation is protected from civil lawsuits regarding injuries on the job.

Still not convinced of the need for workers compensation insurance? For companies who violate the mandate, the law is quite unforgiving: it's a Class A misdemeanor not to provide coverage for workers, with severe monetary penalties. Repeated violations upgrade to a Class D felony. Termination of an employee who is injured while working and/or who files a workers compensation claim is also illegal.

If you're on the hunt for a comprehensive workers compensation insurance policy, you've come to the right place.

Umbrella Insurance

Umbrella insurance is an essential coverage option for truckers. If you cause an accident, do you have enough coverage from your current policies to protect you? Your primary liability limits can be easily exhausted if you are slapped with a lawsuit. Your umbrella policy will kick-in when your other resources have been depleted and are not able to completely cover the costs.

Umbrella insurance offers another shield of protection, in a day when lawsuits are common and judgments are high. With the prevalence of legal accusations, you can't afford not to have umbrella liability insurance.