Insurance for commercial trucks is such a necessity for the very reason that they carry heavy loads that are worth thousands to millions of dollars. Because businesses have to keep running no matter what, insurance will keep things intact by providing security and coverage for any unforeseen damage and accidents.

Much akin to personal auto insurance, commercial truck insurance also provides coverage and security against any unfortunate incident, but this insurance specifically caters to business.

The commercial trucks in the country comprise a combination of several vehicles such as long-haul trucks, dump trucks, tow trucks, auto haulers, containers, dry freight, and reefers. All these vehicles are used for several business purposes, yet the risk, time, and delivery of service and products are common and need a comprehensive insurance deal that covers the following aspects:

• Motor truck cargo
• Physical damage
• General liability
• Excess liability
• Workers compensation
• Non-trucking coverage
• Cargo insurance
• Reefer insurance
• Bobtail insurance
• Terminal coverage
• Trailer interchange liability
• Warehouse legal
• Non-owned trailer liability

Buying a commercial truck in the country is a bit of an expensive affair; in addition, insurance is another expensive expenditure. Therefore, is essential to know which insurance coverage is needed to trim down the yearly premium cost.

Some of the following insurance companies listed below offer the best commercial trucks insurance in the country:

• Progressive Commercial
  Offers a bandwidth of coverage option for heavy-duty vehicles with flexible payment options and claim service for heavy trucks.
• Esurance
  Offers maximum flexibility to commercial vehicles with discount options.
• State Farm
  You can also get employers non-owned car liability coverage.
• All State
  Insurance specially designed for commercial vehicles with extensive coverage, with reward points.
• Nationwide
  Offers flexible billing options guarantee on repairs.
• Titan Insurance
  Insurance rates are affordable with several discounts and coverage options.
• Framers Insurance
  Offers subsidiary truck insurance exchange and the insurance is exclusively designed for commercial trucks and food trucks.
• Travelers
  Offers insurance for automobiles in the public sector, including small and large trucks.
• The Hartford
  Offers comprehensive package for commercial trucks with access to a program to enhance driver performance and accident forgiveness for fleets less than 25.
• Liberty Mutual Insurance
  Offers deals and policies for commercial trucks with safety training for drivers.

It’s a difficult task to pick the right insurance company for your commercial needs. Thus, you need to know your state rules and regulations in the country keeping other factors in consideration before evaluating the right insurance coverage. At the final stage, you can consult an insurance broker to understand your needs, the trucking industry in general and the insurance company’s reputation.