Trucking Insurance in Milledgeville, GA
Trucking insurance offers critical financial protection for commercial trucking operations. Whether you’re an independent owner-operator or manage a fleet of trucks, you must account for the unique risks and exposures the road brings.
What Does Trucking Insurance Cover? 
The following coverages may be included in a trucking insurance policy:
- Primary liability insurance—This is legally required and may cover bodily injury and property damage you cause a third party in an accident.
- Physical damage coverage—This helps cover repairs or replacements from damage due to collisions, theft, vandalism, or natural disasters as outlined in your policy.
- Cargo insurance—This helps cover the goods you’re transporting in incidents of loss or damage during transit.
- Bobtail insurance—This provides coverage when driving a truck without a trailer, often during non-business use.
- Workers’ compensation insurance—This is essential for fleets and may help cover medical expenses and lost wages for employees who suffer injuries or illnesses on the job.
How Much Does Trucking Insurance Cost?
Trucking insurance premiums may be based on the following factors:
- Type and age of truck
- Driving history
- Type of cargo
- Routes traveled
- Coverage limits and deductibles
Newer trucks and safety features can help lower costs. Contact your insurer to explore available discounts.
Contact Us
Trucking insurance is a wise business decision that can help you in unexpected events on the road. The team at Russell Harding Insurance in Milledgeville, GA can help you explore policies that fit your needs and budget. Contact us today for a quote or more information.