Truck Insurance Key Terms

Know these truck insurance key terms to determine your unique truck insurance needs

Truck insurance is essential for owners, operators, and fleets of trucks. From cargo insurance and fleet insurance to semi and bobtail insurance, you can find the truck insurance coverage you need while staying within your budget.

A reputable truck insurance agency can offer a truck insurance quote that considers your unique coverage needs and driving habits. As you research truck insurance, become familiar with these truck insurance key terms to ensure you find the insurance coverage that fits your specific needs and budget.

 

Commercial truck insurance

Commercial truck insurance includes truck insurance for all types of commercial trucks. From tow trucks and dump trucks to garbage trucks and tractors, commercial truck insurance coverage is appropriate. You can choose the types of coverage you need for your specific trucking operation.
Try: Visit Progressive for more information on commercial truck insurance.

Fleet or motor fleet insurance

Fleet insurance, also called motor fleet insurance, is coverage that applies to more than one truck. You can choose to have the same coverage for every truck in the fleet or choose different types of coverage among the trucks.
Try: FleetInsurance.org offers extensive information and tips on fleet insurance for the trucking industry.

Non-trucking liability insurance or bobtail insurance

Non-trucking liability insurance, also referred to as bobtail insurance, is a type of insurance purchased by the operator of a truck, not the owner of the fleet. This type of insurance provides limited liability coverage when the truck is not hauling a trailer full of goods and when the truck is not in service. Fleet owners often require individual truck drivers to purchase non-trucking liability insurance to protect the truck when not in service.
Try: Alexander & Alexander offer expanded information on non-trucking liability insurance.

Cargo insurance

Cargo insurance is coverage specifically tailored to protect the cargo a truck carries. Coverage can be based on the actual worth of the cargo or on the weight of the cargo.
Try: The American Association of Insurance Services (pdf) offers expanded information on cargo insurance for the trucking industry.

Trailer interchange insurance

Trailer interchange insurance provides coverage for trailers that are owned by other truckers. With trailer interchange insurance, the trucker that hauls the trailer is liable for any damages that occur.
Try: RSI Insurance provides an expanded definition of trailer interchange insurance.

Long haul insurance

Long haul insurance is a type of truck insurance that covers flatbed trucks and tractor trailers that travel hundreds to thousands of miles and that carry heavy loads.
Try: Longhaulinsurance.com offers more information on long haul insurance benefits.

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