Insurance that Goes the Distance

Short & Long-Haul trucking Insurance

Short and Long-Haul Trucking is the backbone of commerce, moving goods across cities, provinces, and even across borders. Whether your business specializes in short-haul deliveries within a region or long haul trucking that spans vast distances, long haul trucking insurance for your vehicles and drivers is essential. Short and long haul trucking insurance provides comprehensive coverage tailored to the specific risks associated with these types of transportation.

 

At Ferrari & Associates, we offer customized insurance plans designed to keep your business moving forward and going the distance, even when faced with unexpected challenges on the road.

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Trucking Insurance Experts

For short-haul trucking, insurance policies often cover immediate risks related to city or regional deliveries, including liability coverage for accidents, cargo insurance for protected goods, and emergency assistance to keep you moving. On the other hand, long-haul trucking insurance caters to the complexities of extended routes, offering robust protection that encompasses liability, cargo damage insurance, and coverage for incidents such as theft or accidents that may occur far from home.

Primary Liability Insurance

Primary liability insurance is required by law and provides coverage for bodily injury and property damage that you may cause to others while operating your truck.

For example, if one of your drivers is involved in an accident that damages another vehicle or injures a person, primary liability insurance could cover the legal costs and damages.

This coverage is essential for protecting your business from costly lawsuits and ensuring compliance with federal and provincial regulations.

Physical Damage Coverage

Physical damage coverage protects your trucks from damage caused by collisions, theft, vandalism, or natural disasters.

This coverage is particularly important for long-haul trucks that spend extended periods on the road and are exposed to various risks.

Your trucks are valuable assets. Protecting them ensures that you can quickly repair or replace vehicles if they are damaged or lost, minimizing downtime and keeping your operations running smoothly.

Non-Trucking Liability Insurance

Non-Trucking Liability Insurance, also known as bobtail insurance, this coverage provides liability protection when a truck is being operated without a trailer, such as when a driver is off-duty or using the truck for personal reasons.

It's important to note that non-trucking liability insurance typically does not cover incidents that occur while the truck is being used for commercial purposes or while hauling cargo; therefore, truck drivers should carefully evaluate their coverage needs based on their unique driving habits and personal circumstances.

Truck Cargo
Insurance

This type of insurance is intended to cover freight, inventory, and transported goods from damage, theft, or loss during transit.

Motor Truck Cargo Insurance is essential for businesses that transport valuable goods, ensuring financial recovery in case of damage or loss.

For example, a truck carrying auto parts overturns, resulting in a total loss of inventory and potential financial strain on the business.

Motor Truck Cargo Insurance

Motor Truck Cargo Insurance is a specialized cargo coverage protects against the risks of transporting goods, including loss due to accidents, fire, or theft.

It also includes coverage for expenses such as debris removal and pollutant cleanup, if necessary.

This coverage is crucial for long-haul trucking operations where the value of the cargo can be significant, and the risks of loss are higher.

Our commercial insurance keeps short and long-haul trucking companies on the road.

Commercial Trucking insurance

Business Cases

Short and long-haul trucking insurance is essential for any business that relies on transportation to move goods. Whether you operate a local delivery service or manage a fleet of long-haul trucks, having the right insurance coverage is crucial for protecting your vehicles, cargo, and drivers from the many risks they face on the road.
Regional Delivery Company

A regional delivery company in South-Western Ontario operates a fleet of trucks that transport goods within a 200-mile radius. One of the trucks is involved in a collision that causes significant damage to both the vehicle and the cargo. The company’s primary liability and physical damage coverage ensure that the repairs and legal costs are covered, while cargo insurance compensates for the lost goods.

A long-haul trucking company in Oakville specializes in cross-country freight deliveries. During a trip, one of the trucks is caught in a severe storm, leading to extensive damage to both the vehicle and the cargo. The company’s physical damage and motor truck cargo insurance cover the repair costs and the value of the lost goods, allowing the business to continue operations without major financial strain.

An independent owner-operator in Toronto uses their truck for both business and personal use. While driving without a trailer, the truck is involved in a minor accident. The non-trucking liability insurance covers the damages, ensuring that the owner-operator is protected even when not hauling cargo.

*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989

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