What comes with physical damage truck insurance?

Posted on April 30, 2024May 2, 2024 by admin

A truck can be an important asset for those in the Kewanee, IL area. Whether it is for daily transportation or commercial purposes, you will want to ensure your investment in your truck is adequately protected. A physical damage truck insurance plan is a significant investment when looking for a great way to do this. This coverage can help protect you and your vehicle in various ways.

Collision Coverage

One of the ways you can benefit from physical damage truck insurance is by getting collision protection. Whenever you are going to drive a vehicle, there is always a chance that you could be involved in a collision with another driver. If you are not adequately insured, or the other driver is not insured, and they are at fault, you may find that you have to pay for any repairs out of pocket. However, with physical damage coverage, you will have this financial support.

Comprehensive Coverage

It is also a good idea to get insurance to receive comprehensive support. Other situations beyond auto accidents could result in accident damage. If you are a victim of theft or vandalism or are involved in an accident with an animal, you will want to have comprehensive insurance. This will ensure you have the financial support to make the necessary repairs or even replace the truck entirely.

When you want a physical damage truck insurance plan, and you are in the Kewanee, IL, area, you need to ensure that you are selecting the right policy. As you begin your search, you should call our team with 1 Truck Insurance Services LLC. Our professionals with 1 Truck Insurance Services LLC will help you carefully evaluate all options and build the right policy to protect your truck to ensure you can have it replaced or repaired when necessary.

Four unique features of truck driver health insurance

Posted on March 29, 2024March 29, 2024 by admin

Those working as truck drivers may have some unique health insurance needs. That’s why truck drivers in Kewanee, IL, should carry truck driver health insurance. We offer this important type of insurance at 1 Truck Insurance Services LLC.

Here are four unique features of truck driver health insurance to be aware of.

Truck driver health insurance can offer special coverage for Department of Transportation exams.

Truck drivers typically need to undergo routine physical exams through the Department of Transportation to acquire and maintain a CDL. Fortunately, truck driver health insurance typically covers the costs of these physical exams.

Truck driver health insurance can be customized for seasonal work.

Many truck drivers have a seasonal work schedule. Truck driver health insurance can be tailored to this schedule so that truck drivers don’t have to pay for coverage during times of the year when they don’t need it.

Truck driver health insurance can be specifically designed to address certain occupational hazards.

Truck drivers can be at increased risk for conditions like musculoskeletal issues because they spend a lot of time seated behind the wheel. Truck driver health insurance policies can offer coverage that addresses this increased risk.

Truck driver insurance policies often offer coverage for telemedicine services.

Truck drivers may be on the road for significant portions of the year. They may need to consult their doctor when they’re far from home. Truck driver insurance policies often offer coverage for telemedicine services, allowing truck drivers to get the healthcare information they need when they can’t see their primary care physician in person.

Call 1 Truck Insurance Services LLC to get a quote on truck driver health insurance. We’re here to help you meet your insurance needs in Kewanee, IL.

Hazmat Truck Insurance – Guidelines for New Business Owners

Posted on February 27, 2024February 27, 2024 by admin

Commercial Insurance Guidelines for Hazardous Waste Transportation Businesses

When you’re in the business of ferrying hazardous waste, it’s critical to understand your required insurance coverage for operating lawfully. The guidelines below detail how to keep your vehicle compliant.

Key Considerations for Hazardous Waste Transportation Insurance

Responsible Storage: Proper storage of hazardous materials is imperative. This includes flammables, liquids, or other hazardous substances that should not be exposed during transport. These materials must be kept in containers and bags designed and labeled for such substances.
Vehicle Access Control: Your vehicle should not be accessible to unauthorized individuals. Keep your Hazmat truck locked when it’s unattended. If security concerns loom large, an alarm system investment could favor you. The alarm alerts you when an unauthorized individual attempts to access your truck.
Liability Coverage: Liability coverage takes care of damages on your account. If your Hazmat truck is involved in an accident with another driver, your liability coverage would handle their mechanical repair costs. Any medical bills that the other driver incurs will also be covered.
Damage Protection: Your policy’s damage protection will cover Hazmat vehicle repair or replacement costs. This mitigates any financial loss from potential vandalism or theft offers.

If you want to learn more about insurance products that safeguard your Hazmat truck, contact one of our agents serving the Kewanee, IL, region. At 1 Truck Insurance Services LLC, we offer customized insurance policies, and you can learn more about Hazmat insurance coverage during your consultation with one of our agents.

How Workers’ Compensation Insurance Protects Your Business

Posted on January 22, 2024January 25, 2024 by admin

When you own a business in Illinois, you are required to have workers’ compensation insurance if you have any number of employees. That means that it’s mandated by law that virtually every business with any number of employees has to have this coverage in place. This is true even if your employee or employees are only part-time. Even if it weren’t required for you to have this coverage, you would still need it to keep your business protected. When you need workers’ comp insurance in Kewanee, IL, call us at 1 Truck Insurance Services LLC to find out more.

Financial Protection

When an employee has an accident while working or comes down with an illness that’s related to their work, they will have medical bills that someone has to pay. If you don’t have workers’ compensation insurance, that someone will be your business. A serious accident could easily bankrupt a small business. When you have this insurance in place, the policy is responsible for paying those bills. It’s important to have this coverage as soon as you hire your first employee so that you’re always protected against the huge bills that can come from serious accidents and illnesses.

Lawsuit Protection

Another way that workers’ compensation insurance saves your business money is by making it unnecessary for your business to be sued after an employee has been injured in an accident or gotten sick. While it can’t protect you against all lawsuits, it does make lawsuits much less likely. If there’s a lawsuit over the accident, it’s between the insurance company and the employee because the insurance company is the party responsible.

Get Workers’ Compensation Insurance

If you own a business that is about to hire employees, it’s time to get this insurance. Call us at 1 Truck Insurance Services LLC in Kewanee, IL.

Who Benefits From Occupational Accident Insurance?

Posted on December 21, 2023December 31, 2023 by admin

Occupational accident insurance, or OAI, can protect contractors injured while working for your company. Providing this coverage extends your insurance coverage to independent workers. This can reduce the risks associated with on-the-job accidents for independent contractors who aren’t on your direct payroll. The team at 1 Truck Insurance Services LLC in Kewanee, IL can teach you more about the specific coverage options for your business.

What Is Occupational Accident Insurance?

Similar to workmen’s compensation insurance, occupational accident insurance provides medical and lost wage coverage for applicable workers. Your coverage may vary depending on your specific injury and the size of your company. However, by providing this coverage, you can attract independent professionals without putting your financial stability at risk.

What Are the Benefits of Occupational Accident Insurance?

Our team would be happy to help you understand the costs associated with putting this insurance into place. In general, you’ll typically have the ability to set your coverage amount. OAI plans to give you more flexibility than other coverage options. For example, depending on the insurance company you work with, you may be able to offer survivor benefits, accidental death, and disability to covered individuals.

How Your Business Can Benefit From OAI Coverage

Complement your workers’ compensation policy with occupational accident insurance. This will help you stand out from competitors and attract the right talent to your team. Our agents can also create personalized coverage that meets your specific requirements and industry standards.

When it comes to add-on riders and benefits, it makes sense to work with experienced commercial insurance agents. We take a tailored approach that expands or limits your coverage as needed. So, come to us for advice on how to handle the potential risk associated with independent contractors or self-employed individuals at your organization.

Contact the team at 1 Truck Insurance Services LLC in Kewanee, IL to make an appointment and get a free quote!

Four things you should be aware of when it comes to bobtail insurance

Posted on November 17, 2023November 28, 2023 by admin

If you are in the trucking business, you need to know what bobtail insurance is. At 1 Truck Insurance Services LLC, we can provide you with the information you need on bobtail insurance in Kewanee, IL.

The following are four things you should be aware of when it comes to bobtail insurance:

Bobtail insurance covers your truck when you’re not hauling any cargo.

Truckers sometimes need to drive their truck without any cargo. For example, truckers may need to drive a truck without cargo when they return from a delivery.

Bobtail insurance is a special type of truck insurance that covers a rig when it is not transporting cargo.

Bobtail insurance is also sometimes referred to as "non-trucking liability" coverage.

Bobtail insurance is not the only term that is frequently used to refer to this type of coverage. Non-trucking liability coverage is another term that is sometimes used to refer to bobtail insurance.

Bobtail insurance policies sometimes have mileage limits.

It’s important to pay attention to mileage limits when you buy a bobtail insurance policy. When mileage limits are in place, you are not covered by your bobtail insurance if you travel a certain distance from your home base.

Make sure that your bobtail insurance policy doesn’t have mileage limits that are too restrictive to cover you for the distances you need to routinely travel for your job.

Bobtail insurance is a type of commercial insurance.

Bobtail insurance is not used to cover a truck that is being used for personal reasons. Bobtail insurance is only used for commercial trucking activity.

Have Questions? Consult With Us

Call us today at 1 Truck Insurance Services LLC to get a quote on a bobtail insurance policy in Kewanee, IL.

Telemedicine for Truckers: The Road to Better Health

Posted on October 20, 2023October 20, 2023 by admin

How Much Insurance Does My Trucking Company Need?

Posted on October 20, 2023October 30, 2023 by admin

State and federal laws require trucking companies based in the Kewanee, IL, area to carry liability insurance. The amount of insurance you need to cover your fleet depends on where your rigs travel and what type of cargo you transport. 1 Truck Insurance Services LLC is your trusted source for getting accurate insurance coverage for your trucking operation.

Requirements for Travel Within Illinois

Minimum requirements for hauling goods intrastate are less than for interstate companies. State minimum liability requirements for trucking companies depend on the type of goods, as follows:

Household goods – $300,000
General freight – $750,000
Oil transport – $1,000,000
Hazardous materials – $5,000,000

As with auto insurance policies, consider increasing minimum coverage based on the number of trucks you have, the weight of your trucks, the driving history of your truckers, and travel distance. Seek truck insurance if you operate pickups, tow, box, logging, dump, semi-tractor trailers, or cement mixers.

Requirements for Interstate Travel

Interstate trucking liability can become complicated as some states have different requirements, so insurers usually issue an overall policy to cover travel. The Federal Motor Carrier Safety Administration (FCMSA) requires the following minimums:

$300,000 for vehicles weighing 10,000 pounds or less carrying non-hazardous freight
$750,000 for vehicles over 10,000 pounds with nonhazardous freight
$1,000,000 for oil transport
$5,000,000 for vehicles carrying other hazardous materials

Some shippers may also require at least $1,000,000 in liability regardless of the type of materials handled.

Getting the Right Trucking Insurance

You may also need proof of liability and cargo insurance for interstate travel. Some companies may need additional coverage for cargo or physical damage to their rigs. Let 1 Truck Insurance Services LLC, serving Kewanee, IL and surrounding communities, recommend adequate coverage for your trucking operation. Contact our office today to get started.

Does Motor Truck Cargo Insurance Cover Spills?

Posted on September 22, 2023October 2, 2023 by admin

Yes. Truckers could be moving a load of stones, dirt for landscaping, milk, cleaning liquids for supermarkets, or oil and gasoline products. If the load moves and the truck tips over, then there’s a major mess to clean up in Kewanee, IL.

Not only that, you’re the truck driver entrusted with the load. If you have a 1 Truck Insurance Services LLC motor truck cargo insurance policy, then the spill will be cleaned up, and the load will be paid for with your insurance.

Risks In Losing A Load

Cargo theft or pollution risks are no matter for a truck driver to handle. Other types of load loss are just as serious. Let’s say a truck is hauling a load of lemons to a market across the country. The load shifts, the trailer tips over, and lemons are careening around the road. Cars behind the truck slip and slide, crashing into each other. This is no mess for a truck driver to handle.

Of course, if truckers have the wherewithal to pay for disasters without insurance, then good for them. Other truckers aren’t so lucky and rely on insurance to help with disasters. They don’t happen every day, but when they do, just knowing that you have cargo insurance will make you breathe easier. Want to know more about motor truck cargo insurance?

Consequences Of Spills

Jokes about making lemonade aside, spills cause serious damage. The materials get into the water table, poisoning wildlife and people. Depending on the lost material, neighborhoods and towns might need evacuation. There’s more, and it’s expensive, so trucking companies need higher liability limits or special coverage.

We Are Here To Help

If you eat it, wear it, or drive it, thank a trucker. Theirs is a dangerous but rewarding job. Kewanee, IL truck drivers need to visit 1 Truck Insurance Services LLC for spillage policies that will protect them if a load is lost.

Benefits of Physical Damage Truck Insurance

Posted on August 24, 2023August 31, 2023 by admin

Whether you own one truck or a fleet of them, trucking is your livelihood. As such, your trucks are your most important assets. That’s why we recommend physical damage truck insurance to cover repairs in the case of malicious acts or natural disasters. Physical damage insurance pays for the cost to repair or replace your rig in the case of a covered incident. You can find the right policy for your vehicles by partnering with the agents at 1 Truck Insurance Services LLC in Kewanee, IL.

What Advantages Come With Physical Damage Truck Insurance?

This insurance will cover the cost of repairing or replacing your rig, including your tractors, trailers, and equipment. As a big rig operator, you’re eligible for this insurance whether you rent or own your equipment. Additionally, if you are financing multiple checks, your lenders will most likely require robust physical damage truck insurance. Let our agents help you find the most affordable policy that meets all your requirements.

One of the main advantages of this type of insurance is the flexibility to tailor it to your needs. Whether you need it to secure financing or for your own peace of mind, our agents are here to help. Along with commercial and comprehensive coverage, physical damage truck insurance may include other types of coverage that you can add.

Other Available Coverages

From towing to downtime to emergency expenses, there are many add-on policies available to further protect your trucks. Talk to your insurance agent about loan gap coverage and truck rental costs if your truck becomes inoperable due to physical damage.

Schedule a consultation today!

The team at 1 Truck Insurance Services LLC in Kewanee, IL includes experienced, licensed agents familiar with the needs of those in the trucking industry. Make an appointment today for a free quote to cover one truck or an entire fleet and to learn all the available options through this unique coverage.

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