Truckers spend more time on the road than anyone, and they carry precious cargo. Whether you criss-cross the country or stay close to home in the Topeka and Burlington areas, having the right insurance is essential to protecting yourself, your rig, your load, and your assets against potential loss. We offer coverage for truckers in many different occupational backgrounds, including both short haul and long haul insurance, as well as non-trucking insurance and contingent liability coverage for motor-carriers.
Kansas Short Haul Trucking Insurance
Short haul trucking affords drivers the benefit of operating their rigs locally or in a region that is close to home. It typically translates to fewer overnights behind the wheel and a greater presence with family. While some short-haul truckers work less than 100 miles from home, many drive regionally up to 300 miles or more. This usually means they are traversing and familiarizing themselves with the same roads over and over again. For owner-operators, it can also mean lower maintenance and fuel costs, as well as less money spent on restaurant meals away from home. To qualify for short-haul trucking coverage and rates, a trucker must conduct the vast majority of runs in a regional area.
Kansas Long Haul Trucking Insurance
Long haul truckers clock plenty of hours on the road, whether carrying navel oranges from Florida to Wisconsin or hauling loads of metal from a midwestern steel mill to a coastal high-rise construction site. Every day is a new adventure, with new roads to navigate, adverse weather conditions, and a constantly changing terrain. When it comes to insuring your long-haul trucking business, we know you need a balance of quality coverage to help manage your risks, as well as affordability to help protect your profits.
Deadhead, Bobtail, and Non-Trucking Coverage
If you are operating a rig between drop-off and pick-up sites without the trailer, you are bobtailing. If you are driving your tractor without a trailer, you are deadheading. In both of these scenarios and when you are using your truck for personal use, you are likely not covered by your motor-carriers liability insurance. We can help you find insurance for the in-between times so you can remain legally compliant and also minimize your exposure to risk.
Truckers Contingent Liability
Truckers contingent liability helps protect motor carriers against liability claims from independent contractors who are claiming to be employees covered by workers compensation coverage. The coverage can help pay for the motor carriers legal defense costs, as well as settlements won by the worker up to policy limits.
Types of Coverage
Depending on your occupational model and needs, we can help you search for a wide range of coverage types, including:
This coverage helps cover third-party injuries and property damages for which you are responsible after a trucking accident.
This insurance helps pay for third-party injuries and damages a driver causes when operating his or her rig for personal use.
Physical Damages Coverage
This coverage helps protect your rig or your entire fleet against damages caused by collision and other events, such as hail or wind.
This coverage can help pay for the cost of towing after a covered breakdown.
Medical Payments Coverage
This insurance helps pay for medical bills when a truck driver and his or her passengers are injured in a trucking-related accident, regardless of fault.
Hired Auto Coverage
This insurance helps cover a trucker for liability when he or she brokers out a load to another trucker.
Uninsured Motorist Coverage
When an uninsured driver injures a trucker, this coverage can help provide compensation of damages.
Accidents happen. When a trucker is unable to run loads or take jobs due to accident-related damages to his or her rig, downtime reimbursement insurance can help provide compensation while the truck is out of commission.
There are several other coverages common in the trucking industry. Talk to your independent agent about:
- trailer interchange coverage
- general liability
- motor truck cargo insurance
- downtime reimbursement
- coverage for electronic equipment, chains, tarps, binders, and other equipment
- and more
Factors that Affect Trucking Coverage Costs
There are many factors that can affect the price you pay for coverage. A new driver who has been behind the wheel less than a year, for example, is likely to cost more to insure than a veteran trucker with decades of experience. Likewise, someone with an unsafe driving history or a record of prior insurance claims may pay higher premiums than a trucker with a squeaky clean history.
The types of coverage you need for your business, and the coverage limits you choose can also affect your policy premiums. Truckers and trucking companies should never reduce coverage in an attempt to save money, as doing so could result in catastrophic financial consequences. Instead, we recommend working with an independent agent to learn ways to reduce costs, such as by raising your policy deductibles.
Kansas Trucking Insurance Quotes
If you work in the Kansas trucking industry as a motor-carrier, owner-operator, or in some other capacity, we can help you get the coverage you need. As an independent insurance agency, we can shop and compare truck insurance policies and rates to find coverage solutions that work for you.
For more information about Kansas trucking insurance or to request your free quotes, contact our office to speak with an independent agent today. We look forward to serving you soon.