Category: Motor Truck Cargo Insurance

If you’re a for-hire truck driver, then you know how important it is to meet your clients’ needs. Many risk managers require truck drivers to buy motor truck cargo insurance because it protects cargo while en route.

At 1 Truck Insurance Services LLC, servicing Kewanee, IL, we offer motor truck cargo insurance and a variety of other trucking insurances for truck drivers. Our insurance products help truck drivers who want to comply with the laws, reduce their financial risk, and meet the diverse needs of their clients. Here’s what you need to know about motor truck cargo insurance.

What Is Motor Truck Cargo Insurance?

Motor truck cargo insurance (also called cargo insurance) covers the freight being hauled by a for-hire truck driver. If the load is lost or damaged in a collision or fire, this type of insurance will provide coverage up to the insured amount minus the deductible. 

Who Needs Motor Truck Cargo Insurance?

You need motor truck cargo insurance if you are a for-hire truck driver who is required to carry this type of insurance by your clients. Even if your clients don’t require this type of insurance, you can still benefit from cargo insurance. Cargo insurance protects you from financial risk if something happens to your freight.

How Can I Tell If I Have Enough Coverage?

It can be hard to tell if you’ve paid for sufficient cargo insurance. Your agent at 1 Truck Insurance Services LLC, servicing Kewanee, IL, can help. Our experts can help you review your coverage to identify areas of additional need. Call today to speak with us. 

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.