High Risk Truck Insurance
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Insure your straight trucks, box trucks, big rig tractor trailers and hundreds of other business types. You can get it now.
Commercial Trucking by design is a higher risk than other business types and could be fraught with speculative danger. It is a business that offers freedom on the open road, the ability to be your own boss, and the sometimes difficult task of buying higher risk trucking insurance!
As industry experts we offer Higher Risk Truck Insurance and provide quotes for commercial vehicles including Big Rig Semi’s, Straight Trucks, Box Trucks, Dump Trucks contractors vehicles and much more. We have immediate Cargo Insurance Certificates for your loads HERE!
We have commercial truck insurance for those with a bad driving record and even a DUI. Compare our programs now and learn what your options, whether it is good for your business or is a shot in the dark and what it has to offer you. Don’t put your business in jeopardy by not having coverage.
We’ll help you purchase state or federally mandated insurance for new venture truckers (typically considered unsafe and at risk due to uncertain experience).
We also insure those that have accidents or at risk of multiple moving violations on their license. Our company may also insure risky drivers with less than 2 years of CDL exposure. We have hazardous truck driving carrier insurance and commercial truck insurance offers for those with convictions that cause perilous problems to get insured.
What would make a trucking company need a more higher or assigned risk truck insurance? Higher SAFER scores, bad SMS inspections can mean that your commercial truck insurance rates will be affected for several years due to the fact that you’ll now be classified as a higher risk and therefore need a different insurance for a year or so. It doesn’t matter to our brokers if you have a bad driving record, or if you have a nearly perfect driving record, because we will work hard either way to get you the best commercial truck insurance policy that you qualify for.
Our company does High Risk Truck Insurance – Our name is what we do get help now!
We can help with heavy haul truck insurance which is a form of insurance designed to protect large trucks and the cargo they carry from a variety of risks. This type of insurance is essential for truckers and other companies that rely on trucks to transport goods, as it can provide financial protection in the event of an accident, loss or damage of goods due to theft, fire, weather, or other unforeseen circumstances. Higher risk or assigned risk truck insurance has a long and interesting history, beginning with the development of trucking as an industry and evolving to meet the changing needs of truckers and companies. on this page, we will explore the history of high risk truck insurance and how it has changed over the years.
The history of higher risk truck insurance dates back to the early days of trucking as an industry. In the early 1900s, the trucking industry was in its infancy, and companies were just beginning to explore the potential of using trucks to transport goods. At this time, the risks associated with trucking were largely unknown, and companies did not have any form of insurance to protect their trucks and cargo from potential losses. This changed in the 1920s, when the first form of truck insurance was developed.
This insurance, known as “truckers’ cargo liability insurance” was designed to protect truckers and businesses from losses due to theft, fire, and other unforeseen circumstances. This insurance provided coverage for trucks and the cargo they carried, ensuring that truckers and businesses were financially protected in the event of an accident or loss of goods. This early form of high risk or assigned risk truck insurance was the first step towards protecting the trucking industry from financial losses.
Evolution of Commercial Truck Insurance for those considered a little more risky
As the trucking industry grew and changed, so too did the need for insurance. In the 1930s, truckers and businesses began to realize the importance of protecting their trucks and cargo from a variety of risks, not just theft and fire. This led to the development of “comprehensive coverage”, which provided coverage for a wide range of risks, including weather damage, collisions, mechanical breakdowns, and more. This was the first step towards the development of insuring those considered a little more risker and need different truck insurance.
Meanwhile trucking industry continued to evolve, so too did the need for insurance. In the 1940s, truckers and businesses began to realize the importance of protecting their trucks and cargo from a variety of risks, not just theft and fire. This led to the development of “specialized coverage”, which provided coverage for a wide range of risks, including damage caused by hazardous materials, natural disasters, and more. This was the second step towards the development of of the insurance as we know it today.
Modern Insurance Developments
Today, insurance is essential for truckers and businesses that rely on trucks to transport goods. This type of insurance provides financial protection in the event of an accident, loss or damage of goods due to theft, fire, weather, or other unforeseen circumstances. Commercial truck insurance is also essential for truckers and businesses that transport hazardous materials, as it provides coverage for potential losses due to spills or accidents involving such materials. This type of insurance has a long and interesting history, beginning with the development of trucking as an industry and evolving to meet the changing needs of truckers and companies.
Get help if your company needs Distressed commercial trucking insurance needs!
Trucking For Hire: – General Freight haulers, Car Carriers – Fuel Oil Haulers Gasoline, Diesel & Airplane Fuel Haulers -Ag Haulers (including livestock) – LPG, Butane & Propane Haulers Bulk or Bottled • Dumping Operations • Contractors • Tow Trucks • Caterers • Cement Mixers • Concrete Pumper Trucks •
Couriers • Custom Harvesters • Farm to Market Trucking • Farmers • Food Delivery • Grain Haulers • House Movers • Lawn & Tree Service • Logging • Mobile Concessions • Mobile Equipment • Mobile Home Toters • Moving Operations • Pulpwood Haulers • Salvage Haulers • Specialized Delivery • Snow Plows – • (NTL, Bobtail or Deadhead) • Waste Oil Haulers • Wholesalers & Manufacturers
To get the most accurate high risk carrier trucking insurance rate quotes, your agent or broker will need certain peril information, such as:
•Which employees, (including names, DOB, license number, CDL endorsement date if applicable) will be driving your trucks?
•What kinds of qualifications, CDL license/s, or training do your drivers have?
•Will they be hauling heavy equipment or hazardous materials susceptible or prone to dangerous multi peril accidents ?
•How many miles (Radius of Operation) will your trucks travel each year? Local, Intermediate or unlimited miles?
•What states will your vehicles be operating in?
Other Commercial Truck Insurance coverage’s that may be bought include:
Comprehensive – Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.
Collision – Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.
Uninsured Motorist – This Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.
Under-insured Motorist – This Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.
Additional Expense – Coverage for necessary additional expenses incurred as a result of a loss for which you are protected under comprehensive or collision coverage. These expenses include rental cars, food, lodging and other incidental expenses.
Hired Auto Liability Coverage – Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.
Possible Hired Auto Physical Damage – Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insured’s business.
Employer’s Non-Ownership Liability – Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.
Typically High Risk Motor truck cargo coverage is available as a package or standalone coverage just like physical damage coverage’s.
Auto physical damage, hired & non-owned, motor truck cargo, terminal operations, excess coverage available.
High Risk Truck Insurance Quotes
Get immediate “For Hire” carrier Truck Insurance help if you have any of the following, New CDL drivers, Have poor credit scores, Coming out of state assigned risk pool, Need high risk cargo coverage, Need FR44 or SR22 insurance filing.
You are probably considered higher risk if you have high out of service percentages (OOS), Have elevated CAB scores, Showing multiple alerts, Have a conditional safety ratings, Have high loss frequency, Faced with truck insurance cancellation by current insurer, Have large shock losses, Have high CSA scores or Bad SMS scores.
Assigned Risk Insurance Services LLC and Commercial Insurance Agencies have been leaders and experts in the transportation insurance markets since 1986. We have helped thousands stay on the road making money and we’ll be glad to help your company also. Using our help is free and we will provide expert service and fast certificates once you have your policy with us.
Order you or your drivers history on file which includes five years of crash and three years of roadside inspection data from the FMCSA Motor Carrier Management Information System (MCMIS) database.