How long does it take to get my filings issued?

Typically filings are done the same day or within 24 business hours.

What's the difference between auto and general liability?

Commercial Auto Liability is focused exclusively on the risks of owning a truck, while general liability policies focus on protecting a company from risks that could impact the business in any manner. Commercial Auto liability typically covers property damage and bodily injury to drivers, passengers in your car, pedestrians, and others. General liability protection covers bodily injury to anyone who could sue your company: customers and other guests (walking through the lobby), contractors, and vendors doing work for you.

What's the timeframe to get a quote and be covered?

It typically takes 24-48 hours to get a quote and be covered. Once you decide which plan is best for your trucking needs, we can help you through the application process.

I've been driving for 10+ years, why is my rate so high?

Even if you have been driving for years, opening your own business is a different ball game in insurance carriers eyes. Your CDL experience will impact your rate, but the time in business will also be a big factor, which means if you are a recently new business, your rates will be similar to other new businesses.

What happens in the event of a claim?

Report the claim as soon as possible. Call us at 407-351-3331 or visit our claim center , and we will help you report it to your carrier and guide you through the next steps. Preserve photos, dash camera video, and ELD data, and do not admit fault at the scene.

Can I cancel my trucking policy before it expires?

Yes, you can request cancellation at any time. If you paid in advance, the refund depends on the policy terms and may be calculated pro rata or on a short-rate basis, and some policies include a minimum earned premium. If your policy includes federal or state filings, the insurer must notify the agency of the cancellation, so plan replacement coverage before canceling to avoid a gap in your operating authority.

Is my insurance rate impacted by my personal driving record?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" first="true"][fusion_text] Your commercial trucking insurance rate is impacted by your personal driving record if you are an owner-operator with a CDL. A professional driver's license means that any accidents or violations on the road will also affect how much it costs to insure your company’s vehicles [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

How can I ensure that my Equipment Breakdown Insurance policy provides adequate coverage?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" first="true" background_blend_mode="overlay"][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" animation_direction="left" animation_speed="0.3" animation_delay="0"] To ensure adequate coverage, regularly review your policy with your insurance provider, especially when you acquire new equipment or expand your operations. This helps keep your coverage up-to-date and aligned with your business's evolving needs. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Do I need Equipment Breakdown Insurance if I have a maintenance plan?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" first="true" background_blend_mode="overlay"][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" animation_direction="left" animation_speed="0.3" animation_delay="0"] While a maintenance plan is beneficial for preventing equipment issues, it does not provide financial protection for unexpected breakdowns. Equipment Breakdown Insurance complements maintenance plans by covering the costs associated with sudden and accidental failures, ensuring comprehensive protection. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Can Equipment Breakdown Insurance cover business interruption losses?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" first="true" background_blend_mode="overlay"][fusion_text hide_on_mobile="small-visibility,medium-visibility,large-visibility" sticky_display="normal,sticky" animation_direction="left" animation_speed="0.3" animation_delay="0"] Yes, Equipment Breakdown Insurance often includes coverage for business interruption losses. This means that if your equipment fails and causes a halt in your operations, the policy can help cover lost income during the repair or replacement period. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

FAQs Archive

How long does it take to get my filings issued?
Typically filings are done the same day or within 24 business hours.
Read More
What’s the difference between auto and general liability?
Commercial Auto Liability is focused exclusively on the risks of owning a truck, while general liability policies focus on protecting a company from risks that could impact the business in any manner. Commercial ...
Read More
What’s the timeframe to get a quote and be covered?
It typically takes 24-48 hours to get a quote and be covered. Once you decide which plan is best for your trucking needs, we can help you through the application ...
Read More
I’ve been driving for 10+ years, why is my rate so high?
Even if you have been driving for years, opening your own business is a different ball game in insurance carriers eyes. Your CDL experience will impact your rate, but the ...
Read More
What happens in the event of a claim?
Report the claim as soon as possible. Call us at 407-351-3331 or visit our claim center, and we will help you report it to your carrier and guide you through ...
Read More
Can I cancel my trucking policy before it expires?
Yes, you can request cancellation at any time. If you paid in advance, the refund depends on the policy terms and may be calculated pro rata or on a short-rate ...
Read More
Is my insurance rate impacted by my personal driving record?
Your commercial trucking insurance rate is impacted by your personal driving record if you are an owner-operator with a CDL. A professional driver's license means that any accidents or ...
Read More
How can I ensure that my Equipment Breakdown Insurance policy provides adequate coverage?
To ensure adequate coverage, regularly review your policy with your insurance provider, especially when you acquire new equipment or expand your operations. This helps keep your coverage up-to-date and ...
Read More
Do I need Equipment Breakdown Insurance if I have a maintenance plan?
While a maintenance plan is beneficial for preventing equipment issues, it does not provide financial protection for unexpected breakdowns. Equipment Breakdown Insurance complements maintenance plans by covering the costs ...
Read More
Can Equipment Breakdown Insurance cover business interruption losses?
Yes, Equipment Breakdown Insurance often includes coverage for business interruption losses. This means that if your equipment fails and causes a halt in your operations, the policy can help ...
Read More