Primary/General Liability – Protect your company against third-party claims of property damage, bodily injury, or advertising injuries/reputational harm. Oftentimes, trucks can cause more damage and prove significantly more expensive to repair, following a collision.

Physical Damage – Physical damage is a general term for vehicle insurance coverages. It includes collision insurance, which covers collisions, overturns, and rolls; and comprehensive insurance, which covers other scenarios, like if your vehicle is stolen or hit while parked. (Source: Progressive and The Hartford)

Motor Truck Cargo – Cargo is at risk during the loading process, in transit, in storage, and throughout the final distribution stage. Truck operators need cargo insurance to hedge against damage and destruction of goods along the way.

Motor Truck Liability – Motor truck liability covers incidents that happen outside of a truck. A few examples: A client slips on ice outside the business office, products were delivered to the wrong place, a driver gets into a physical altercation at a truck stop.

Non-Trucking Liability – This covers your vehicle when you’re not under dispatch, i.e., using a truck for personal use. This will also cover a situation where you’ve leased a vehicle, but your lease hasn’t started yet. 

Trailer Interchange – Insurance that covers physical damage to a trailer, regardless of if it’s owned or rented. This coverage only covers the trailer, not the cargo being transported.

Medical Payments – Medical payments coverage is also known as medical or MedPay. It offers payment for anyone riding in a truck that was in an accident and can cover long-term suffering if needed.

Uninsured Motorist – This covers your truck or trucks if a vehicle without insurance hits or damages it.

Workers Compensation – Massachusetts workers comp ensures that all workers are protected if they are injured at work or contract a job-related illness. It’s a required business insurance in MA. For truckers, this can cover accident-related injuries, injuries from loading or unloading cargo, and falls when entering or exiting the truck.

Trucking Umbrella Policy – Covers any gaps in between policies or when liability insurance limits are too low. Umbrella insurance is especially important for the trucking industry because truck accidents can cause an immense amount of damage and injuries.