Commercial trucks transporting hazardous goods are required to have hazmat truck insurance. This blog will help you understand what a standard hazmat policy covers and explore additional coverage options that can enhance your protection while operating your truck.
Hazardous Goods
Here are some of the hazardous materials that a standard hazmat truck insurance policy typically covers:
- Explosives
- Flammable materials
- Corrosives
- Infectious materials
- Poisonous materials
These items are covered while the truck is actively transporting them from one location to another.
Pollution Coverage
Incidents can result in hazardous waste spilling onto a roadway. Pollution coverage protects truck drivers from lawsuits related to such incidents. It also assists with cleaning up spills and mitigating harmful noxious fumes.
Loading and Unloading Coverage
Loading and unloading coverage protects hazardous materials while they are being manually handled or moved by machinery. This coverage remains in effect until the materials are delivered to their intended destination.
Liability Coverage
Liability coverage protects a hazardous truck operator from incidents for which they are responsible. If a driver causes an accident, this coverage may pay for repair costs, medical bills, and legal fees.
Excess Liability Coverage
Excess liability coverage pays for expenses that exceed what a standard liability protection plan covers. This optional coverage can be beneficial for those frequently transporting large quantities of hazardous materials.
Hazmat Insurance Plan
An agent serving Kewanee, IL, can assist you with your hazmat insurance plan. A 1 Truck Insurance Services LLC representative will schedule a consultation to discuss the hazmat truck insurance you need.
