Bethlehem Truck LLC

2116 Coke Works Rd
Bethlehem, PA 18015

Selecting the Right Commercial Truck Policy

Protecting a commercial truck fleet is essential as a business owner, regardless of the number of trucks you’re responsible for and the type of trucks you use to conduct business. If you own commercial trucks in Bethlehem, PA, selecting the right commercial truck insurance policy is essential to protect your business from unnecessary financial liabilities. Understanding the requirements for commercial auto insurance in Bethlehem, PA can help you find a policy that is right for your needs from Bethlehem Truck LLC once the time comes.

Learn Commercial Insurance Requirements in Pennsylvania

If you own a commercial truck in Pennsylvania, you’ll want to become familiar with the state requirements when seeking the right auto insurance policy. In Pennsylvania, minimal liability requirements are as follows: 

  • Bodily Injury: In Pennsylvania, bodily injury liability coverage is set at $15,000 per individual and $30,000 per collision or accident. 
  • Property Damage: The minimum property damage liability amount with auto insurance policies in Bethlehem, PA, is $5,000.

When it comes to owning commercial trucks, however, you’ll also need to remember that any vehicle over 26,000 pounds may also require additional coverage. When handling cargo in Pennsylvania, you will also require anywhere between $750,000 to more than $5 million in liability coverage to protect the cargo you’ll be transporting to and from locations. 

Compare Insurance types

When investing in commercial insurance from Bethlehem Truck LLC for your commercial fleet, comparing insurance types in advance is important. Common commercial insurance types in Pennsylvania that are suitable for truck fleets include:

  • Cargo Insurance: Cargo insurance will cover the items and products you intend to ship or transport.
  • Liability: Primary liability insurance will protect you and your drivers when in an accident.
  • Comprehensive Protection: Comprehensive coverage can assist with weather-related damage, natural disasters, or even vandalism claims. 
  • Collision Coverage: Protect your vehicles from property damage during a collision. 

Once you’re ready to settle on commercial insurance for your truck fleet, insurance agents at Bethlehem Truck LLC are here to help. To learn more about your options and to request a quote for the commercial truck insurance you need for your fleet, contact Bethlehem Truck LLC today.

Four Kinds of Commercial Insurance You May Need

If you own a business in Pennsylvania, there are certain commercial insurance policies you need to have to protect yourself and your business against many of the risks you face. The types of commercial policies you need depend on the details of your specific business. It would be best if you likely had some commercial policies more than others. Call us at Bethlehem Truck LLC in Bethlehem, PA to learn more about commercial insurance.

Cyber Insurance

If you use computers in your business, you likely have a lot of data that could be stolen. Cyber insurance can protect you in case of a data breach, allowing you to get back to business as soon as possible. Today’s businesses often benefit from having this policy. 

Commercial Auto Insurance 

If your business owns a vehicle, a commercial auto policy has to be in place. Not only is this required by law, but it’s also beneficial for protecting your business. If you had maintained a personal policy on the vehicle and encountered an accident, the policy would most likely not pay for it. Hence, a commercial policy is required for each vehicle your business owns.

Product Liability 

If your business sells one or more physical items, you need this type of coverage. It protects you against the damage done by your product, even if your product is seemingly safe. Products can be misused, and injuries can be caused. 

Worker’s Compensation Insurance

This coverage is required when you have employees. An employee could be injured while working at any time. This type of policy covers the injuries and other expenses that the employee incurs after an accident. 

Get Your Business Covered

Contact Bethlehem Truck LLC in Bethlehem, PA, to find out more about the right insurance policy for your business.

What Pennsylvania Residents Should Know about State Auto Insurance Laws

Autonomous Trucking Insurance in Bethlehem, PA

If you’re a resident or considering shifting to Bethlehem, PA, understanding the state laws about vehicle coverage requirements should be on your to-do list for safeguarding your truck.

Pennsylvania’s Minimal Auto Insurance Requirements

Bethlehem, PA motorists are mandated by state law to carry liability insurance. This includes $15,000 for bodily injury per individual, totaling up to $30,000 for bodily injury per accident, and $5,000 for property damage per accident. First-party medical benefit liability coverage should be at least $5,000 per person. Pennsylvania, renowned as the Keystone State, is officially a no-fault state regarding auto insurance. This stipulation implies that your coverage extends to your injuries in the event of an accident, thereby guaranteeing immediate medical treatment after a mishap.

Exploring Other Coverage Options

While basic insurance policies meet legal requirements, they don’t provide comprehensive coverage that you may need. A basic package won’t cover if your truck gets stolen, vandalized, or damaged in natural disasters. Furthermore, it won’t extend to any valuable items being transported in your vehicle. For extensive insurance that covers all uncertainties, consider consulting an insurance agency to delve into an auto insurance policy tailored to your needs.

Bethlehem Truck LLC: Your Trusted Partner

At Bethlehem Truck LLC, a community-focused, minority-owned business, we’re committed to meeting Bethlehem, PA drivers’ needs. Contact us for commercial or personal auto insurance queries, policy quotes, or to examine various insurance policy options.

Running a Lot of Deliveries With Your Truck? Get Commercial Insurance

Bethlehem Truck LLC can provide Bethlehem, PA, drivers like you with rig protection to keep you safe. Even if you’re a one-person business and only do occasional runs for extra cash, there’s no reason you shouldn’t get a strong policy to protect your investment.

How Truck Insurance Protects You

As a one-person trucking business, you will take on all responsibility for any potential accident you might experience. That puts you in a seriously problematic situation – what happens if you get into a crash and lose property or hurt others? Expect to suffer financially. 

Instead of taking that risk, get high-quality insurance from a team that you can trust. Just a few coverage types that we can provide for truckers like you include:

  • Liability Dangers: If you get into an accident in your rig, you could be sued if you hurt someone else or damage their property. Keep yourself safe with liability coverage.
  • Replacement Coverage: Your truck costs far too much to risk on the road without high-quality replacement coverage. Total value protection is particularly important for rig drivers.
  • Collision Issues: Beyond liability coverage, your truck insurance can help with collisions and help fix your truck or other property you might damage in a crash.
  • Property Loss: When hauling a customer’s goods, you need property loss protection as a trucker to prevent you from having to pay back your client for lost goods.

Take Care of Yourself

Talk to our team at Bethlehem Truck LLC to learn more about how we can help truck drivers like you protect your rigs in Bethlehem, PA. There’s no reason to ignore this kind of protection—with our help, we can provide you with the high-quality experience you need.

Does Commercial Insurance Give Me Liability Coverage?

A Comprehensive Guide to Trucking Business Insurance Coverage

Securing comprehensive insurance coverage is critical if you’re managing trucking operations in Bethlehem, PA. As an owner-operator or simply the owner, it’s important to have a strong defensive line in case of any mishaps. One frequently asked question we get at Bethlehem Truck LLC is, "Does commercial insurance include liability coverage?"

Getting To Know Commercial Insurance

Commercial insurance in the trucking industry is designed to safeguard businesses against possible losses following vehicle incidents. While it offers numerous options for trucking firms, standalone liability coverage isn’t inherently offered. This is why evaluating your basic commercial policy carefully is important, ensuring it encompasses all the coverage you require.

Why You Need Liability Coverage

Liability coverage, an optional addition to your commercial policy, is considered a necessity by many trucking firms. At Bethlehem Truck LLC, we strongly recommend this option as it protects the actions of your drivers while engaging in work activities on behalf of your firm.

The Landscape of Transportation Mistakes

In the trucking industry, a multitude of mishaps can occur, including:

  • Vehicle collisions
  • The property damage
  • Products being damaged
  • Incidents at truck stops

These are common incidents that could arise while truck drivers are performing their duties.

For detailed information on what your commercial policy covers and what it may exclude, contact Bethlehem Truck LLC. We can help ensure your coverage includes all your needs, including liability, cargo coverage, owner/operator protection, and much more.

New Year, New Auto Insurance Policy?

The new year is a great time to evaluate and update all kinds of things in your life, and one of those should be your auto insurance policy. If you’re in the Bethlehem, PA area, Bethlehem Truck LLC can help you get the policy you need. Our agents are committed to making sure you’re properly protected and that you have quotes from different insurers so you can choose the right one for your specific situation. Not only does that increase protection, but it can improve your peace of mind, too.

Auto Insurance Policy For The New Year

New auto coverage in the new year is important when you want to make updates, experience a fresh start, or even just review what you’ve had in the past and make sure it’s still working properly for you. You might also be thinking about upgrading your vehicle and want to make policy changes that will reflect that. No matter the reason for more or different auto coverage, the best way to get what you need is through an agent who will listen to your concerns and answer your questions.

You’ll be getting coverage you can rely on, along with an advocate you can work with if you need to make a claim or any adjustments in the future. That’s a great way to start out the new year and move forward with confidence. You don’t have to settle for confusing policies and subpar coverage options when you have our knowledgeable professionals to help.

We Are Here To Help

Get in touch with us at Bethlehem Truck LLC today if you’re in the Bethlehem, PA area and looking for the right auto insurance coverage for all your vehicle needs. A brand new year is an excellent time to get a new policy, so you can feel confident that you have the security and protection you deserve.

Three Important Coverage Options For a Commercial Truck Insurance Policy

Road safety is a constant concern for all commercial trucking firms. Despite taking all the necessary precautions, vehicle accidents can still occur. Commercial truck insurance should protect transportation outlets from potential lawsuits following a vehicle accident. Bethlehem Truck LLC in Bethlehem, PA can assist with creating a policy that suits everyone’s needs. 

Here are three important coverage options for a commercial truck insurance policy:

General Liability Coverage

Adding general liability coverage to an existing commercial truck insurance policy will protect a company from its driver’s actions en route to its final destination. It could be an unexpected mishap at a truck stop, a road accident with another vehicle, or product damage occurring while unloading at the final destination. All are covered under the general liability portion of the insurance policy.

Commercial Truck Cargo Coverage

Transporting cargo across state lines requires more extensive commercial truck insurance. Cargo coverage removes any threat of financial demise from hauling freight long-distance. The coverage pays for all damage to the cargo if the truck is involved in a road accident. Also, the policy protects the trucking firm if the contents are stolen during a break from traveling on the road. Cargo coverage is an excellent addition as a commercial truck driver travels a great distance in a year.

Owner Operator Coverage

Adding owner-operator coverage to an existing commercial truck insurance policy is wise. It is mandatory coverage for truck drivers who work under a permanent lease agreement with a commercial truck firm. Usually, the leasing agreement will stipulate what commercial truck insurance coverage is required before a driver can get behind the wheel. Typically, owner-operator coverage pays for injuries and damage to other people and their personal property if you are at fault for the accident.

Consult With Us

Commercial truck drivers face unique challenges while traveling throughout the country. A trucker needs insurance coverage that guarantees their arrival without delay. Bethlehem Truck LLC in Bethlehem, PA can create a policy to protect your commercial trucking needs. Call and schedule an appointment today.

Required Commercial Insurance in Pennsylvania

If you own a Pennsylvania business, there may be required commercial insurance policies that you must have to stay legal. It’s important that you know whether these policies are required for your specific business so you know how to be compliant. When you need commercial insurance for your business, you can learn more by calling us at Bethlehem Truck LLC in Bethlehem, PA.

Worker’s Compensation Insurance 

The state requires every Pennsylvania business that has employees to have this type of insurance. It’s required to have this coverage no matter how many employees a business has and when they work. Seasonal and part-time workers are included in this requirement as well as full-time workers. When you have this insurance, it pays for the medical bills and other expenses, such as lost wages and disability payments, when an employee gets injured on the job or gets a work-related illness. This insurance protects your business against what could be extremely expensive medical bills and other related costs. It also pays for legal bills that are due from the accident. 

Commercial Auto Insurance

When your business owns a vehicle of any kind, it has to be insured with a commercial auto insurance policy. This works just as personal auto insurance does, but it’s specifically for business vehicles. If you have personal insurance on a work vehicle, it likely won’t pay out if there is an accident. There are different types of coverage required to be in this policy. The policy has to have an amount for medical benefits and another amount for property damage liability. It must have two different amounts for bodily injury liability.  One of these amounts is for just one injured person. The other is for all of the injured parties. 

Protect Your Business With Commercial Insurance

To get your commercial insurance policies, call us at Bethlehem Truck LLC in Bethlehem, PA. 

 

Why basic auto insurance may be the wrong choice for you

Basic auto insurance is the mandated amount that the state of Pennsylvania requires you to have on your vehicle. In Bethlehem, PA, it is 15/30/5 which is all liability coverage. At Bethlehem Truck LLC we make sure that our customers have all the required auto coverage and also discuss the other options that are available. 

Basic auto insurance covers damage to the vehicle of the other driver in an accident you cause and also pays for medical expenses of the driver and passengers in the other vehicle. That is very important coverage but what about your vehicle? Chances are you need your vehicle to be able to carry out the basic activities that are necessary every day. If you need to get it fixed or replaced you require additional coverage. You will also need additional coverage if you have a lease or a loan on your vehicle. 

More Than The Basic

Collision

If your vehicle is damaged in an accident, you need collision coverage if you are responsible or if you are hit-and-run. Collision coverage has a deductible that you determine when you choose your policy, and this needs to be met first. 

Comprehensive

If your vehicle is stolen, it is comprehensive insurance that will replace it. If a deer runs in front of your vehicle and damages it, this is covered by comprehensive coverage. It also covers a few different types of weather damage like hail, wind, flood water, and more. Glass coverage is included as part of comprehensive coverage. All of these have a deductible. If you add total glass to your coverage, it takes away the deductible for the glass replacement. 

Reach Out To Us

Looking for insurance in the greater Bethlehem, PA metroplex? Contact our office at Bethlehem Truck LLC. We are independent insurance agents who work for our customers to make sure you have all the coverage you need. 

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