Trucking Insurance in Rocky Point, NY
Trucking insurance is designed to help cover the unique risks associated with operating commercial trucks. Unlike standard auto insurance, it provides specialized coverage that addresses the specific needs of the trucking industry. Having appropriate trucking insurance is essential for safeguarding your business. 
Essential Coverages
Depending on your trucking company’s needs, your agent may recommend the following policies:
- Liability coverage— Semitrucks are subject to state and federal liability insurance requirements. This can help cover the costs if your truck is at fault in an accident that causes bodily injury or property damage to others. Given the size and weight of commercial trucks, accidents can result in significant damage, making liability coverage indispensable.
- Physical damage coverage—This includes collision and comprehensive insurance. Collision coverage can help cover damage to your truck resulting from an accident, while comprehensive coverage may cover non-collision incidents like theft, vandalism or natural disasters. If you finance your trucks, the lienholder likely requires comprehensive and collision insurance.
- Cargo insurance—If your cargo is damaged or lost due to an accident, theft or other covered events, cargo insurance can help cover the cost of the lost or damaged goods.
- Bobtail insurance—Also known as non-trucking liability insurance, this coverage protects your truck when it’s being driven without a trailer, such as when returning from a delivery or traveling between jobs.
Choosing the Right Policy
Selecting the right trucking insurance policy involves evaluating your specific needs and risks. Factors to consider include the value of your trucks and cargo and legal requirements. Working with an experienced Metro Insurance Agency agent can help you navigate these considerations and find a policy that offers appropriate protection at a competitive price.
Contact Us
Contact Metro Insurance Agency in Rocky Point,New York, to explore your trucking insurance options and compare quotes.