Category: Commercial Insurance

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.

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.