18 Wheeler Truck Insurance

If your business relies on 18-wheelers, having proper insurance is a must. 18 wheeler insurance covers a range of risks that come with operating these massive vehicles. From long hauls to local deliveries, the right coverage protects both your trucks and your business from accidents, damage, or unforeseen events on the road.

General Liability

Cargo Coverage

Physical Damage

Types of Coverage

Liability Coverage: Covers injuries or property damage if your truck causes an accident. Given the size of 18-wheelers, this coverage is especially important for the damages they could cause.

Physical Damage Coverage: This includes collision coverage (for damage from accidents) and comprehensive coverage (which takes care of issues like theft, fire, or even damage from bad weather).

Cargo Coverage: You’ll want to protect the goods you’re hauling, whether it's perishable food or expensive electronics. This covers damage to cargo during transport.

Medical Payments Coverage: If your driver or any passengers get hurt, this helps cover medical expenses, regardless of fault.

Uninsured/Underinsured Motorist Coverage: This steps in when your truck is involved in an accident with a driver who doesn’t have enough insurance to cover the damages.

Non-Trucking Liability: If your truck is being driven for non-business purposes and gets into an accident, this covers the damages.

Determining Premiums

Several factors affect how much you’ll pay for 18 wheeler insurance.
Vehicle Size: Bigger rigs, like 18-wheelers, tend to have higher premiums because of the potential damage they can cause.
Mileage: Trucks that cover long distances regularly are seen as higher risks, so the amount you drive affects your cost.
Cargo Type: The type of goods you haul (hazardous materials vs. general cargo) can also influence premiums.
Driver History: The driving records of anyone behind the wheel matter. Better records often mean lower premiums.

Other Important Commercial Auto Insurance For 18 Wheelers Includes:

Towing – Towing insurance will pay for any towing services when your 18 wheeler becomes non drivable.
Trailer – Trailer coverage protects your company from having to pay for repairs or replacement to the trailer that was being hauled by your truck at the time of the accident.
Trailer Interchange – Trailer interchange coverage protects trailers that you do not own but are hauling as part of an interchange service. This is physical damage protection for trailers that you do not own. It provides coverage for theft, vandalism, explosion, fire and collision.
Reefer Breakdown – If your reefer equipment malfunctions and your cargo is ruined as a result, reefer breakdown insurance pays for the loss.
Unattended Truck coverage – When you stop for food or to rest and you must move away from your 18 wheeler and its cargo, it may be subject to theft, vandalism or other hazards. Unattended truck coverage protects you from losses that occur while you’re away from the truck and its cargo.
Cargo – Cargo insurance protects your company from financial losses that can be caused when the cargo you are hauling is damaged or destroyed.
Accessories (Ex: mileage meters, navigation units, radios) – Accessories insurance protects you from the loss of expensive specialty equipment that you may have installed in or on your 18 wheeler. The GPS units your company uses for navigation and weigh station passing, the communications radios and electronic log books can all be protected with this additional coverage to your commercial truck insurance policy.

Choosing the Right Policy

It’s important to understand the specific risks your business faces when operating an 18-wheeler. Are you regularly transporting high-value cargo? How far and how often are your trucks on the road? Speak to an agent to tailor coverage that fits your operation's needs.

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