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Insurance should be about more than just peace of mind: it should work for you. Alchemy Insurance in Pennsylvania is there to ensure that you get nothing but the best commercial truck insurance that allows you to put aside any worries while you are on the road conducting business. We are there to help with the difficult choices of finding the best coverage.

What is it? How does it work?

One of the most obvious questions is, what is commercial insurance exactly? The answer is rather simple: it is insurance that covers a wide range of large vehicles with which you would conduct business. These could be anything from a pickup to a food truck, and they are mostly used for either construction, transportation of goods, or agriculture.

The question of how does it work comes next. Commercial truck insurance is purchased by the individual or business that owns those vehicles and will cover them as long as they are being used for business purposes. As with regular car insurance, the rate of such insurance will always be determined by the individuals who are listed as users within the policy as well as the driving record.

Commercial truck insurance is usually purchased by individuals who find themselves within any of the following categories. If you find yourself amongst the list, it’s safe to say that you are in the correct area.

  • Motor Carriers – these are for-hire-trucking companies that have a fleet of vehicles.
  • Owner-Operators – individuals who own their own trucking business instead of renting out vehicles.
  • Private Carriers – individuals that use their own personal vehicle to transport good for their employer

If you find that you identify with any of the individuals who may need this type of insurance, Alchemy Insurance is the right place for you.

Types of Trucks?

Commercial truck insurance covers a wide range of vehicles, as mentioned above. Before moving forward with finding the right coverage, it is best to review the types of trucks that would be covered under this type of insurance to make sure that it actually falls under the commercial truck insurance branch.

Delivery Truck Insurance

Delivery trucks, the backbone in our economy, come in all shapes and sizes within limits allowed by law. As their name suggests, they are used to get the items people ordered to them. There are also different types of delivery trucks:

  • Walk-in trucks: an example is trucks that are used by companies such as FedEx and UPS when out delivering parcels to a purchaser. As the name itself explains, these allow for an average adult to stand upright inside of the cargo compartment when loading and unloading any items.
  • Cargo vans: mostly used for a smaller delivery area with less cargo in the back. These vans are bigger than the average family van, but not nearly as big as a walk-in truck. They are usually used for a quicker delivery route.
  • Box trucks are square like trucks with many different uses which will be discussed in further detail below.

To protect the property and the people on the road, deliver truck insurance is as important as regular car insurance. Alchemy insurance can help you work through the best coverage for your type of delivery truck, but it is best if it also includes cargo insurance. Companies that own delivery trucks, whether it’s just a couple or a whole fleet, take on the responsibility of the cargo that they are transporting.

It is this responsibility for the cargo, the trucks, and those around you, that warrant a delivery truck insurance package that is designed specifically for the needs of your company, and not one-size-fits-all solutions. The collision and comprehensive should be within limits that will help in replacing any damage that you or another person may sustain during a delivery route. Insuring the cargo is important as well to ensure that no sales are lost should something happen beyond the control of the driver or the owner of the company.

Box Truck Insurance

Box trucks are also called straight trucks for their ample space for transportation of bulky items such as furniture, boxes of different sizes, and even refrigerated items. Their square-like shape identifies box trucks. They are usually rather lightweight and can vary in size from 10 feet to 26 feet in length, making them customizable for what you’re business might need. The most common uses for such trucks are:

  • Moving
  • As an icebox or reefer used as a refrigerator
  • Sleeper
  • Cargo cutaway
  • And a tilt cab

Box truck insurance should always come with standard liability, which covers bodily injury and physical damage. This type of coverage protects other individuals and property that may be damaged in the event of an accident. Most states require a vehicle to be covered under liability insurance with specific minimums

However, liability insurance will not cover all eventualities even if by law, that may be the only insurance you are required to purchase. As mentioned, a box truck is used mostly for the transportation of various goods with different degrees of value. The value of the goods is someone’s purchase or livelihood, which means that it requires its own set of insurance. Box truck insurance can be fortified beyond liability insurance with cargo insurance as well as collision insurance.

Cargo insurance will save the goods that are being transported by a box truck in the event that something would cause it to be damaged on route to its destination. Collision insurance is designed to help cover the truck in case of an accident so that you do not have to worry about repairs or replacement out of pocket. Insurance for a box truck should also include comprehensive insurance that covers you in case something happens that is outside of your control, such as a fire or flooding.

Food Truck Insurance

A food truck is a vehicle that has been set up with the specific purpose of cooking, preparing, and serving or selling food. These trucks can range from having the capability of selling prepackaged food, while others have full kitchens on board and are able to make food from scratch. The most popular types of food trucks include:

  • Lunch trucks
  • Catering trucks
  • Concession trucks
  • Vending trucks
  • Ice cream trucks

In recent years, they’ve become more popular through a phenomenon called the pop-up restaurant. The mobility that this type of business provides and their ability to serve any kind of food is what ultimately makes them so popular. They are so popular, in fact, that over two billion people are served at one every day around the world. People have even begun using them for different occasions, such as weddings, parties, or corporate gatherings.

A food truck is essentially a moving restaurant, which means that it is the sole backbone of the business. Should a food truck become immobile, its revenue disappears with it. It is for this reason that every company operating at least one should think about food truck insurance. A full spectrum insurance package, such as Alchemy Insurance, could find for your company, will have your back to make sure that you are never without coverage for man or nature made scenarios.

Alchemy Insurance will work with you to ensure that you are outfitted with the best food truck insurance for your business. Besides the standard liability insurance, which is required by law, it is best to consider the purchase of a full range of insurance such as collision and comprehensive. At Alchemy Insurance, we will work on an in-depth quote explicitly tailored to your business and the potential price of loss that might take place during any type of emergency situation.

Why choose Alchemy Insurance?

As an independent commercial insurance agency in pa, Alchemy can shop multiple brands at once to find the insurance that best suits your needs. Protect your family (and your wallet) with a FREE quote today!

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