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Get A Commercial Truck (Trucking) Quote I Protect Your Business's Future

Let Kansas Preferred Customize Your Insurance To Suit Your Businesses Specific Industry Needs And Budget

Give Us A Call At 913-585-1981

What Is Commercial Truck (Trucking) Insurance?

Commercial truck insurance is a type of auto insurance that covers trucks used for business purposes, such as shipping, construction, or agriculture. It helps protect your business from the costs of liability and physical damage claims if you or your employees cause an accident while driving a company-owned truck. Commercial truck insurance can be customized based on the type of truck, the cargo, and the state requirements. It may also include coverage for non-trucking liability, motor truck cargo, trailer interchange, and rental reimbursement.

Key Commercial Truck (Trucking) Coverages

  • Commercial Auto Liability: This is the foundation of truck insurance and covers bodily injury and property damage that your business vehicles might cause to others in an accident. It helps pay for medical expenses, legal fees, and property repair costs for third parties.

  • Collision Coverage: Pays for repairs to your commercial vehicles if they're damaged in a collision with another vehicle or object.

  • Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, fire, and natural disasters.

  • Cargo Insurance: Cargo insurance covers the goods your trucks are transporting. It provides coverage if the cargo is damaged, lost, or stolen during transit.

  • Bobtail Insurance: Covers your trucks when they're without trailers during non-business use, such as driving to and from your business location.

  • Non-Trucking Liability: Also known as "NTL" or "Deadhead" insurance, this covers your trucks when they're being operated for personal reasons outside of business operations.

How Much Does Commercial Truck (Trucking) Cost?

The cost of trucking insurance varies widely based on factors such as the size of your fleet, the types of vehicles you operate, the cargo you transport, your drivers' experience, and your business's location. Insurance providers consider these variables to determine the premium. While some businesses might pay a higher premium due to risk factors, others with a strong safety record and effective risk management strategies may enjoy more affordable rates.

Why Choose Kansas Preferred Insurance Group?

  • Industry Expertise: Our experienced agents understand the specific needs and challenges of the trucking industry.

  • Tailored Solutions: We work closely with you to create a custom insurance package that matches your business's unique requirements.

  • Risk Mitigation: We help identify potential risks and gaps in your coverage, ensuring you're adequately protected.

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