You might assume that most vehicles simply fall under a broad umbrella classification when dealing with commercial auto and truck insurance policies. For instance, it’s obvious that you need commercial truck insurance if you drive any kind of truck. But in reality, that’s not the case. In this article, we’ll discuss a few of the very specific commercial vehicle insurance policies that are available.
There are specific insurance policies for each type of specialty vehicle and truck. This makes sense because there are various ways to use different vehicles. They work in various industries, face various risks, and provide various tasks or services. Because of this, there are a plethora of specialty coverage plans available, as opposed to a single generic commercial truck insurance policy.
What kinds of specialty truck insurance should you be aware of, then? Starting with big rigs or 18-wheelers, various applications such as general freight, long distance, and commercial movers have different policies, as do owner operators.
Big rig trucks can also specialize in certain areas, such as refrigerated trucks or hazmat transportation. Owners of trucking fleets with a variety of drivers and vehicles may also find that their needs for insurance are different from those of a single driver and one truck.
The world of specialty commercial auto insurance really opens up and diversifies from there. Consider ice cream trucks, food trucks, and delivery trucks for food. Along with taxi cabs, ridesharing vehicles like Uber, charter buses and vans, limousines are another option. The businesses that provide either emergency medical transportation or non-emergency medical transportation fall under a different classification.
Specialty trucks also include particular types of vehicles, such as wreckers, tow trucks, logging trucks, auto haulers, waste haulers, and so on. This hasn’t even touched on the full range of this diverse field.
Don’t overlook regular cars, vans, and pickup trucks. You might not be aware of it, but with regular cars, if you’re a business and use that car for any kind of business function—even a simple one—you need commercial auto coverage in addition to your personal policy or you risk being unprotected.
The point is that you require a particular policy that is appropriate for that particular type of vehicle and any task you are carrying out while operating it. Always seek the advice of a qualified insurance professional who can assist you throughout this process and assist you in obtaining the best policy for your unique needs and circumstances.