Commercial Trucking Insurance in Massachusetts

What Coverages Do Commercial Truck Insurance Policies Offer?

There are certain minimum coverage requirements that auto (including truck) insurance policies offered in Massachusetts must meet. Many policies, however, go beyond the state’s minimum requirements and offer an array of protections. Some of the more common coverages that these policies frequently offer are:

• Liability Coverage, which may cover injuries and/or damage that a truck driver is responsible for
• Physical Damage Coverage, which may cover damage to a truck itself
• Truck Cargo Coverage, which may cover cargo that’s being transported in a truck or trailer
• Unidentified Trailer Coverage, which may trailers that aren’t owned or leased by a trucking company
• Uninsured and Underinsured Motorist Coverage, which may cover accidents caused by improperly insured drivers

(Truck cargo coverage is usually unique to these policies, and typically provides coverage against both theft and damage of goods. Unidentified trailer overage is sometimes referred to as trailer interchange coverage.)

Are Different Types of Cargo Coverage Available Through Commercial Truck Policies?

Because trucking companies transport many different types of cargo, insurance companies often make several different types of cargo coverage available in their commercial truck policies. Policies might offer coverage for regular products, perishable goods, hazardous materials or any number of other items. An insurance agent who’s familiar with these policies and their cargo protections will likely be able to find a suitable cargo coverage for any legally transported good.