Bucket Truck Insurance

Auto Liability (bodily injury + property damage)

Commercial auto liability may help pay covered damages you are legally obligated to pay because of bodily injury or property damage caused by a covered bucket truck, up to the policy limits.

Example scenarios can include a turn-side collision, backing into a parked vehicle, or striking a fixed object while driving.

Physical Damage (protecting your bucket truck)

• Physical damage coverage helps protect the truck itself. Many commercial policies break this into:
• Collision: Covers damage from colliding with another object or from overturning.
• Comprehensive (Other Than Collision): Generally covers many non‑collision causes of loss (for example theft, vandalism, fire, falling objects), subject to policy exclusions and deductibles of course.
• Specified Perils: Covers only the specific causes of loss named in the policy. It is sometimes described as Fire, Theft, and Combined Additional Coverage (CAC), and is typically more limited than comprehensive.

If your bucket truck is financed or leased, the lender may require physical damage coverage.

Common add-ons for bucket truck operations

These are often optional and can be important for real-world claims handling:

• Rental Reimbursement / Transportation Expense: May help pay for a temporary replacement vehicle while your truck is being repaired after a covered claim, up to daily/total limits.
• Towing & Labor: Helps with towing and certain roadside services after a covered disablement or accident, up to stated limits.
• Custom Equipment / Accessories: Helps protect permanently attached or added equipment (for example radios, GPS/telematics, tool bodies, and certain mounted gear), often with specific limits and scheduling requirements.