As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing or any other private carrier capacity, Poulos Insurance has truck insurance solutions for you.
Primary Liability – Every trucker and/or trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and provide this insurance for their leased vehicles or require that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Cargo Insurance – Provides coverage for loss or damage to the property (the load) a truck is transporting which is generally, but not always, provided by the motor carrier for leased operators.
Physical Damage – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, vandalism, etc.) to owned vehicles.
Occupational Accident – Product designed specifically for owner-operators in the trucking industry. In most states, by being self-employed owner-operators can opt out of state mandated worker's compensation coverage. While not the same as worker's compensation, OCC/ACC is similar in scope and intent. Most motor carriers require their leased operators to be covered either by worker's compensation or OCC/ACC at the leased operators expense. For those who qualify, OCC/ACC is generally a lower cost alternative.