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.

How Trucking Auto Liability Insurance Protects You and Your Business

Posted on July 28, 2023August 9, 2023 by admin

You want to do everything you can to protect yourself and your business against the risks associated with running a trucking company. Liability insurance helps you face legal challenges confidently and pays for medical, property, and other expenses written into the policy. At 1 Truck Insurance Services LLC in Kewanee, IL, our agents will assess your existing coverage and help you determine whether you could benefit from trucking auto liability insurance.

Safeguard Your Business With Trucking Auto Liability Insurance

Trucking auto liability insurance can shield your company from financial losses in the event of an accident that damages another vehicle or driver. Avoid huge losses that exceed typical truck insurance policies by working with our team to pinpoint your risks and ensure your policy covers them. 1 Truck Insurance Services LLC connects clients with the right trucking auto liability coverage, and our team can help you find the right insurer for your trucking business.

Benefits of Trucking Auto Liability Insurance

There are many benefits of trucking liability insurance. For example, this cover saves the day in the case of expensive claims if your rig causes physical harm or damage to another person or vehicle. Depending on your particular policy, you won’t have to pay for delivery errors, certain equipment damage, and unintentional customer injuries.

If you need proof of general liability coverage for financing purposes or to comply with industry regulations, your insurance agent can guide you to the right policy. Additionally, depending on what cargo you haul and who you contract with, it may be a prerequisite for doing business.

Choose An Insurance Company That Knows The Trucking Business

1 Truck Insurance Services LLC specializes in insurance for those in the commercial trucking industry in Kewanee, IL and surrounding areas. Whether you have a small or large business, our team will help you assess your risks and choose the right coverage. Contact us today to set up an appointment to review your existing policy and discuss trucking auto liability insurance.

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