Submitted by: Patrick Winchester

If you ever talk to anyone really familiar with the trucking industry, you ll realize that it s intensely regulated and specialized.

This becomes a bit easier understood when you think in terms of how dangerous commercial trucking can be to employees and the general public we re talking millions of pieces of heavy machinery circulating the highways daily.

Not to mention how vital the industry itself is without commercial trucking, our economy would halt, (kind of scary when you think about how volatile the world s oil situation is becoming )

As a result, the commercial truck insurance industry is also intensely regulated.

Coverages are often dictated by state or federal law when dealing with trucks of specific application, and even more so when you start looking at specific cargo. Tons of dangerous payloads such as gasoline, other fuels and hazardous materials like chemicals and pesticides are driven by commercial trucks everyday.

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Cargo is largely what regulates much of the truck insurance industry. Here are a few of the most common types of cargo insurance:

General Freight

Many trucking companies do deal with hazardous materials, but there are many that exclusively deal with shipping common everyday goods. For these shippers, general freight policies exist anywhere from $10,000 to $100,000 commonly, that blanket most of their usual shipments with adequate coverage.

Moving Truck Insurance or Household Goods Haulers

Both of these types of cargo insurance mean the same thing moving vans have special privileges in many states since the nature of their business requires them to operate commonly within residential streets places where most commercial trucks are restricted from driving.

Additionally, moving van loads can vary dramatically in value based on the customer, so special moving truck insurance policies allow fluctuated coverage so moving companies don t continuously find themselves under or over-insured.

Produce Haulers Insurance

Produce is a highly regulated commodity as it s vital to the nation s food supply and will almost always contain a degree of spoilage per load.

Produce trucks are often refrigerated as well, so produce hauler s insurance typically accounts for extra equipment as well as frequent spoilage possibilities.

Hazardous Materials Haulers

Hazardous materials haulers is really high-dollar truck insurance and it has to be by law. While general freight policies are usually under the $100,000 mark, hazardous materials haulers are almost always in 7-figure coverage levels.

Aggregate Haulers or Dump Truck Insurance

Aggregate is a construction term used to describe what you see in most dump trucks cargo loose gravel, pavement supplies, concrete or other building materials. Dump truck insurance is highly specialized because their cargo is usually less valuable, but also looser and subject to loss. The mechanisms by which dump trucks operate are considerably more dangerous than trucks that are unloaded manually.

Related policies are sometimes called dirt, sand and gravel haulers or building materials haulers, though building materials usually encompasses tractor-trailer construction trucks more than dump trucks.

Tow Truck Insurance

Tow trucks are always used in pretty dangerous areas either the top of a mountain, in embankments or on the sides of busy highways and freeways. Plus, their cargo is always another automobile that can fluctuate drastically in value. As such, tow truck insurance is its own entity, accounting for these dangerous situations and variable value of cargo.

About the Author: Patrick Winchester is a freelance writer with

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