Primary and Non-Trucking Insurance
“Non-trucking liability insurance” isn’t as odd or strange as it might sound at first. Boiled down to its essence, this insurance becomes clear: it’s insurance for when you aren’t behind the wheel of your truck. Primary liability insurance is for when owner-operators and motor carrier contractors deliver goods, haul cargo and whatnot. This insurance, instead, covers you should you be driving your truck for personal reasons and the worst occurs. That way, no matter what happens, you can feel confident behind the wheel of your truck.
Your carrier has to give you an additional plan for physical damage insurance, should you be a leased truck. You can always acquire it on your own, of course. Controlling your own safety can be special; the kind of freedom that most people only dream about, but truckers dream of. We can make this insurance work for you.
Focusing On What’s Important
Spending all the time you wanted with your friends and family is the dream of so many people. Of course, we’re all so busy with our jobs and our day to day lives, it’s important to take advantage of those moments where you can step away from work and be with the people who matter most. Indeed, that’s what this insurance does: it makes it so that you can enjoy times with friends and family. You’ll be covered with this insurance should you take friends and family on a ride in your truck. That being said, it doesn’t cover business matters, only personal ones. Maintenance, cargo hauling, fueling, layovers, or anything related to business – that’s not what this insurance is for.
As this insurance relates to personal matters instead of business ones, there are some misunderstandings about it. Many people think it’s synonymous with Bobtail Liability Insurance, but there are important differences. The contracts associated with this insurance can be quite large. Too often, we’ve talked to prospective clients who either had too much of this coverage as well as those who pay too much for too little of it. A major part of what we do is educate our clients, so we’ll sit down with you and walk you through the process, step by step.
Every kind of trucking insurance involves paperwork. However, with this insurance, the paperwork is genuinely massive. That’s all the more frustrating because you want to spend more time with your friends and family – that’s why you got this insurance in the first place. When we work with you on this insurance, we make sure that you have more free time to focus on what’s important.
Getting you trucking insurance isn’t our ultimate goal; what we really want is to make sure that you get the right trucking insurance for your needs. We don’t try to get people to buy this insurance if isn’t right for them, or if they don’t spend a lot of time driving people around in their truck. Ask yourself: do I plan on taking my family around in my truck often? Will we go to dinners, or to the movies or that kind of thing often? If so, then this insurance might just be for you. If you’re talking to an insurance company and they offer this to you up front, that may be one you want to get away from. We only offer this insurance to those who would use it.