Last updated on: July 25, 2022
The world is unpredictable, to put it mildly. Owning a business comes with a great deal of responsibility—you’re responsible for keeping your employees, equipment, and others as safe as possible.
Smart business owners ensure they are properly protected by expecting the unexpected.
Whether you own a trucking company or own a business that operates trucks in a commercial capacity, obtaining commercial truck insurance is a wise move to make.
What is Commercial Truck Insurance?
Before we dive into the reasons why you should obtain this type of coverage, let’s take a minute to explore what it is—and who needs it.
- The term “commercial truck” actually refers to a wide-ranging variety of work vehicles.What are some examples of commercial vehicles?
- Think pickup trucks, food trucks, and those used in construction, moving trucks, and more.
- The most commonly covered business vehicles include those that are used for transportation of goods, construction-related trucks, and agriculture.
- You need to be in the know about commercial trucking insurance if you own or run a business that uses one or more (or a fleet) of large trucks or vehicles used solely or predominately for business purposes.
- You also would be wise to obtain this type of coverage if you’re an individual whose business falls into any of the following categories:
- Private carriers—this term refers to those who use their own personal vehicles to transport goods for an employer
- Motor carriers—this term includes “for hire” trucking companies that own and operate a fleet of company vehicles.
- Owner-operators—the term “owner-operators” means individuals who own their own trucking business, as opposed to renting out vehicles to others, i.e., those who “own and operate” their own business.
Does your business or company fall into one of the above-listed categories?
If so, and you either do not currently have or are in the market for commercial truck insurance, reach out to Alchemy Insurance Agency, the best in the business in Pennsylvania, to find your perfect match today.
Benefits of Commercial Truck Insurance
Why buy commercial truck insurance? Now that we know what this type of coverage is and the types of vehicles it covers, we can explore exactly why it is that this insurance is so important.
- Commercial trucking insurance covers several critical areas aspects of running a business. Typically, the following areas are covered:
- Medical expenses for any injuries that may occur to truck/vehicle occupants
- Coverage for uninsured vehicles and uninsured motorists
- Physical damage loss to your business vehicles
- As long as the vehicles in question are being used primarily for work purposes, they should be covered.
- The last thing you want as a business owner is to find yourself in an unfortunate situation after an accident or injury without the proper commercial truck insurance coverage.
- The financial risk you’re posing to yourself professionally as well as personally could put you in very hot water in a matter of minutes.
- Obtaining commercial truck insurance is a must in order to adequately protect yourself and your business—not to mention your employees.
- Your employees and their loved ones depend on you to look out for their well-being—you have an immense responsibility on your shoulders.
- Let the experienced, professional agents at Alchemy Insurance Agency connect you with the best commercial truck insurance policy so you can breathe easily.
- Don’t waste another day pushing your truck insurance coverage needs to the back burner. There’s no time like the present to make the smartest decision possible for your business.
Alchemy Insurance Agency
Simply put, Alchemy Insurance Agency does the tough work for you. They’re happy to be the “middle man!”
Here’s why you should trust Alchemy to connect you and your business with the commercial truck insurance coverage you need right away:
- As the highest-rated insurance agency in Pennsylvania, Alchemy agents work with the top names in the business, comparing policies from multiple carriers to provide you the best price for your insurance needs.
- By doing the heavy lifting for you, Alchemy makes it easy to shop smarter for all of your insurance needs.
- Save time, stress, and money when you let the experienced, knowledgeable experts at Alchemy find your perfect match—it’s a win-win situation for all involved!
Are you in need of commercial truck insurance you can trust? Let Alchemy take the stress out of your search! Log on to https://alchemyinsurance.com/ and get started right away.