Similar to most business that require commercial insurance coverage Joey Votto Youth Jersey , commercial truck insurance offers a vast array of policies and configurations in order to better serve specialized industry applications and equipment.

Commercial trucking itself is a very diverse industry. Many aspects of commercial trucking are regulated by law for reasons of safety, economic security and environmental considerations. Since trucks are used in so many applications, certain trucking companies are affected by such regulations and some are not.

While all trucks on the road are required to carry financial responsibility in the form of primary liability Jose Iglesias Youth Jersey , cargo insurance and even trailer insurance aren't necessary commodities by law.

Certain truckers may not need to carry these policies at all--independent owneroperators, for example, are fine carrying simple bobtail insurance or non-trucking liability--a policy that covers their truck with primary liability during the times they aren't covered by their contractor's insurance.

Whether you need a handful of commercial trucking insurance policies or just something simple to cover you when your employer's insurance isn't in effect Scooter Gennett Youth Jersey , getting familiar with all basic forms of truck insurance can end up making a big difference in your overall premiums when it's time to craft your policy with an agent.

If you're a motor carrier or an independent driver that consistently uses your own trailer, you will most likely need some type of cargo insurance to cover your customer's goods in the event of loss.

A good policy for those who typically haul general non-hazardous goods is general freight. Much like you'd expect, general freight is essentially blanket cargo insurance for general goods Barry Larkin Youth Jersey , items or substances that aren't going to require specific regulation, handling procedures or present any unusual safety risks.

General Freight Truck Insurance

There are many types of cargo insurance out there to accommodate for the vast fluctuation in value of goods typically transported by commercial trucks.

While specialized policies tend to exist for fragile, dangerous Joe Morgan Youth Jersey , or simply high-dollar cargo, general freight policies are usually highly suited to drivers who carry typical dry goods.

General Freight Pricing

A general cargo insurance policy tends to fluctuate in coverage amounts from about $10,000 to $100 Johnny Bench Youth Jersey ,000--usually anything greater than that gets into specialized territory. Hazardous materials, for example, like fuel or poisonous chemicals Tom Seaver Womens Jersey , are generally required by local or federal legislation to have higher coverage amounts.

Perishable goods can also require specific coverage to benefit the driver, shipper and insurance companies. Produce haulers insurance is an example of specialized cargo insurance for those transporting foods daily.

It's up to state regulation and the wishes of shippers and manufacturers to dictate what type of commercial trucking insurance is a best fit for your cargo. Beyond legislative factors, specific niche industries usually have standard practices that meet the expectations and needs of a specific industry. And remember Ken Griffey Womens Jersey , cargo insurance isn't the only type of trucking insurance you'll need.

Other Policies to Consider with General Freight

It's always necessary to have primary liability coverage and truckers often opt for comprehensive coverage to ensure their equipment is taken care of in the event of an accident.

Trailer insurance may be necessary as well in order to protect trailers owned by your trucking company.
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