Get industry-leading protection from a carrier with an A.M. Best "A" rating, Financial Class XIV company, which is usually required by shippers. Instantly quote and bind with only the DOT number. Whether you're an owner/operator with just one truck or a fleet of up to 10 trucks, this commercial truck insurance meets your wheel exposure needs.
Key Product and Coverage Features, Subject to Policy Conditions
Bodily injury coverage arising from the insured's operation as a business
- Property damage coverage for others' property if the insured is responsible
- Medical payments, ambulance service charges and funeral services
- Personal and advertising injury liability
- Damages caused by employees and volunteer workers when performing business duties
- Supplementary payments:
- All reasonable expenses the insured incurs when assisting in the investigation or defense of a claim
- All court costs taxed against the insured related to a lawsuit
- Bail bonds up to $250 due to accidents or traffic law violations
- Right and duty to defend the insured
- Claims — Occurrence Based
- Class Code 99793 — Truckers
- Non-admitted coverage offering
- Optional forms available:
- Primary and noncontributory
- Nucor Steel language
- Blanket additional insured
- Second business location
Target Classes
- Interstate and intrastate truckers with up to 10 units hauling general freight and refrigerated cargo
- Not available in Hawaii, Alaska and Massachusetts
Limits of Liability
From $1 million/$1 million to $1 million/$2 million
Minimum Premium
$500
Prohibited Operations
In the operation under the insured's policy name, the insured cannot do the following:*
- Store goods or vehicles for others
- Repair vehicles for others
- Lease space to others
- Sell fuel, parts or any other products to others
- Act as a broker, freight forwarder or load consolidator for others
- Have any farming operations
- Have other business activities located at the same premises
- Generate any revenue from activities or operations other than trucking
- Have signed any contracts that require you to assume the liability of another party
- Own and operate any mobile equipment such as forklifts, snowplows, graders or yard goats
- Own or engage in operations that involve distributing, storing, treating, discharging, disposing of or transporting hazardous materials, substances or waste
- Have sold, acquired or discontinued any business operations in the past five years
* If any of the above conditions apply, coverage can still be submitted to an RPS transportation representative for review and approval.