Car insurance is the law. This applies to passenger cars, and it also applies to cars, vans and trucks used for commercial purposes.
Commercial car use usually involves greater risk than personal use, so separate policies are required for personal and commercial coverage.  It is important to note that this applies to both dedicated commercial vehicles such as delivery vehicles and passenger cars that are sometimes used to conduct business activities.
A range of standard car insurance policies are available and commercial truck policies usually provide the same type of coverage so that companies can meet government requirements and mitigate their financial risks.
These insurances usually provide liability insurance for property damage and bodily injury, as well as uninsured and underinsured motorists, medical payment, collision and comprehensive coverage. . Several companies offer special protection for commercial truck fleets.
To help you choose the best commercial truck insurance company that meets your needs, we have reviewed the following top organizations. We rated companies based on financial strength, customer service and scope.
The prices for commercial truck insurance are very variable, but we have also looked for discounts that are specific to this type of insurance.
2 Commercial Truck Insurance Companies
Here are the 12 best suppliers of commercial truck insurance 2020:
- Travel Insurance
- State Farm
- All Farm
- Farmers Insurance
- Liberty Mutual
- The Hartford
- Mercury Insurance
In addition to personal insurance, Progressive offers commercial insurance, and they claim to be the country's main insurance companies for commercial vehicles, including trucks. Customers can shop for business owner policies and other products from the Progressive website.
To apply for commercial truck insurance from Progressive, visit their website, enter your zip code and select the "Commercial Auto" option from the drop-down menu.
The online form will ask you some questions about your business and the types of vehicles you use, what they drive, how far they travel and who drives them. Progressive will then give you a quote, which you can use to apply for a policy. You can also call (888) 806-9598 or use the website to find an agent in your area and work directly with them.
Progressive commercial truck insurance is available in all 50 U.S. states, and there are policies for owner operators. , car drivers and private carriers. Coverage options that are unique to truck transports include protection for motorway payloads and trailers, as well as insurance for motor vehicle general liability, non-truck liability and refund of rent.
Progressive also offers state and federal filing for commercial truck customers. According to the latest figures, Progressive says that some insurances ranged in price from $ 561 to $ 795.
Compare prices with Progressive
CoverWallet Commercial Truck Insurance
About your side mode has become a real small business but your car insurance has not kept up, check out CoverWallet.
CoverWallet specializes in connecting small businesses with the commercial insurance they need. In addition, the company's digital first method can help you get covered quickly and easily.
As a broker, CoverWallet will show you a variety of insurance options for your business, from general liability to highly specialized products such as cyber liability and special event coverage.
Chances are you're looking for a commercial car policy. CoverWallet can help you compare quotes. Even if you are not sure what type of coverage your business needs, CoverWallet has online tools to assess your needs.
As with any collector, your inquiries on CoverWallet may lead to calls from other insurance companies, but CoverWallet promises that it will keep your information private.
Sometimes the transition from sideline to small business is gradual and your insurance needs change from year to year. If you want help navigating this process, CoverWallet offers a special payment service called MyCoverWallet.
MyCoverWallet costs approximately $ 100 per year after a 30-day free trial. MyCoverWallet helps you meet your insurance needs even as they develop.
Compare Prices With CoverWallet
CoverHound Business Insurance
CoverHound combines many of the nation's leading insurance companies – including some from this list – in one interface to help your business to find the coverage it needs online.
You start with a questionnaire to assess your needs. If you already know that you need a commercial truck policy, you can complete this step quickly enough.
Next, CoverHound helps you compare a variety of insurance policies from about 40 different insurance providers. CoverHound's advisor can guide you through online chat if you need a hand. You can get a quote within minutes.
You will also find some great training tools and a questionnaire to help you assess your company's overall insurance needs. CoverHound specializes in commercial car coverage but they have some other nice tools for finding business and personal insurance.
Comparing shopping tools like CoverHound makes it easier to compare quotes. And you do not have to pay CoverHound directly; the service receives a commission from the insurance you buy.
Compare prices with Coverhound
As one of the largest insurance companies in the country, Travelers Insurance is an international company that writes its own personal policy and insures companies and commercial assets. . Small, large and multinational companies are travelers' customers.
There is a wide range of insurance options and requirements for commercial trucks. To determine your needs and request a quote, find an independent agent in your area using the Travelers website. Search by location or agency. You can then work with them to decide which type of coverage from travelers suits you best. Once you have received a quote, you will be able to apply and register.
Standard coverage from travelers includes liability, uninsured and underinsured motorists and protection against physical injury. Specialized passenger services include services for public organizations, companies in the oil and gas industry, and Northland Trucking, which supports truck drivers and public car companies.
Founded in San Francisco in 1999 and currently a subsidiary of Allstate, Esurance offers car, homeowners, renters and motorcycle insurance in 43 states. Their commercial car insurance is offered in collaboration with Commercial Insurance.NET.
Get a quote for commercial truck insurance from Esurance by submitting an online form. You will be asked to fill in personal information and information about your organization as well as the type of business insurance you need.
You will then send a referral and an insurance agent will contact you with an insurance proposal and the next step. You can also call (855) 299-0007 between 07:00 and 17:00, central time, Monday to Friday.
Esurance and commercial insurance. NET insurances cover your equipment, employees and replacement vehicles. You also receive liability protection.
State Farm is a large national insurance company that sells car insurance as well as other property and accident plans. , State Farm offers services to its customers through a network of exclusive agents and subsidiaries. Commercial car insurance is available through State Farm Mutual Automobile Insurance Company.
In addition to insurance, State Farm sells investment and banking products.
To apply for a commercial State Farm truck policy, you must call (844) 242-1899 to obtain a quote or work directly with a State Farm agent to find out what type of policy meets your needs. You can then find a nearby agent online.
Coverage options for commercial car insurance purchased through State Farm include liability for bodily injury and property damage, personal injury and medical payments, collision and comprehensive plans, and uninsured and underinsured car insurance.
An Illinois-based insurance company offering services throughout the United States and Canada, Allstate also provides financial planning products and welfare transfer services. This company has been offering car insurance since 1947 and claims to insure more than 100,000 small and medium-sized businesses.
If you want to apply for a commercial truck insurance plan from Allstate, you can start by getting a quote online. Select "Insurance Insurance" for your insurance category, identify your industry and the services you offer, and then select "Commercial Car" in addition to any other business plans you are interested in. You will then need to provide more information about your business. as well as some personal information. Once you have received a quote, you are ready to apply and sign up. Alternatively, you can use the Allstates website to find an agent in your area who can go through the process.
Commercial car insurance from Allstate provides liability protection, collision and comprehensive coverage and protection from uninsured motorists. Plans to protect borrowed vehicles also exist.
Ohio-based Nationwide claims to be the country's largest insurance company for farms and farms. With commercial and personal business divisions, this insurance company provides a wide range of insurance as well as financial products such as pension savings, investment services, banking products and loans.
Potential nationwide customers can start the insurance application by sending information online to get a quote. Select "Commercial Auto" along with other business policies you may need and then continue. You need to share business and personal information to continue, followed by answering more in-depth questions. Once you have received a quote, you can apply and register. Instead of requesting a quote online, you can call (888) 490-1549 or find a local agent to help you.
Nationwide's commercial car insurance plans protect policyholders from a range of financial risks, including car liability and medical payments. Their plans also provide comprehensive, collision, and uninsured and underinsured motorist coverage. There are plans for both owned or leased vehicles.
Farmers Insurance products and services are available nationwide through a network of independent and exclusive agents. In addition to providing personal and small business insurance, Farmers Insurance offers investment and savings opportunities for its customers.
People who are considering buying a commercial car insurance from Farmers Insurance can request a quote online. Once you have entered your postcode, you will divide your industry, choose whether the number of employees is less than or greater than 25 and enter some additional information about yourself and your company. Once you have received a quote, you can apply and register. You can also use the Farmers Insurance website to find an agent near you. Then you can talk in person through your commercial truck insurance needs.
In addition to standard coverage for business car liability, uninsured and underinsured car insurance, Farmers Insurance offers additional support, such as GPS tracking, towing, rental and loss use. Additional features help protect contractors and food trucks.
Liberty Mutual Insurance
Liberty Mutual is an internationally renowned insurance company providing consumer insurance products and a range of group and life insurance policies. Their commercial insurance policies protect companies of all sizes. Liberty Mutual has been in operation for more than 100 years.
To apply for commercial car insurance from Liberty Mutual, you should contact a local agent or talk to your existing broker. The Liberty Mutual website will help you find and contact an agent who will work with you to determine your commercial trucking policy needs and give you a quote.
Commercial Car Policies from Liberty Mutual can be customized to meet your specific needs. In addition to standard coverages such as liability, uninsured and underinsured motorist protection, Liberty Mutual offers unique services that help your drivers work safely and special products that help you get up quickly. Some of these special solutions include Decision Driving® courses, Managing Vital Driving Performance analytics, Liberty Mutual Expedite customer service and access to the guaranteed repair network, where Liberty Mutual customers have priority access to controlled mechanics.
As the recipient of the Ethisphere Institute & # 39 ;s Most Ethical Company & # 39; designation for several years, The Hartford is a highly respected insurance and finance company based in Connecticut. The company offers group insurance as well as personal insurance through brokers and agents based across the country. In addition to selling their own products, they take out certain insurance policies that are sold through AARP.
To apply for commercial truck insurance through The Hartford, you may need to speak to an agent in person. Use the company website to find an agent near you. You enter your address or search for the name of the agency. The results are returned with the agency's name, address and telephone number. You can contact the agent directly or send them a message via The Hartford's website. Your agent will help you get a quote, apply and sign up.
Commercial and specialized truck insurance solutions from The Hartford protect vehicles as diverse as refrigerator trailers, snow plows, dump trucks, fire trucks and ambulances. Standard protection includes general liability insurance as well as property and commercial car coverage. You can also choose from many specialized coverage options such as dealer plates and loss-of-use coverage.
Mercury Insurance products are available in California, Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. Based in Los Angeles, this company claims to be one of the largest private car insurance companies in California. Through a network of local, independent agents, Mercury Insurance also offers homeowners, mechanical protection and business insurance products, including commercial truck coverage.
To get a quote and apply for commercial truck coverage from Mercury Insurance, you should call (866)) 589-1568 or search for an agent near you with the company website. Select the "Business Auto" category, enter your zip code and you will get a list of local agencies that you can call directly. Alternatively, you can also send a quote request online via the agent's page. You provide personal information and answer questions about your vehicles, who drives them and other details. Once you have received your quote, you can apply and register.
Customizable plans from Mercury Insurance are tailored to suit your commercial coverage needs. Insurance is available for business cars in industries such as service agreements, catering, construction, pest control, retail, wholesale and, depending on the area, agriculture. You can insure flat beds, rail cars, box cars and refrigerated and utility trucks, as well as others. Standard protection includes liability, collision, comprehensive, medical and uninsured and underinsured motorist protection.
Which Commercial Truck Insurance Company Is For You?
As with all business insurance, what type of coverage you need and the best business insurance company for you, will depend on a number of unique factors.
Although we have identified companies that we consider worthy of consideration, your company will ultimately have to decide for itself, in combination with its other policies. , which commercial truck insurance plan is right for you.
Be sure to consult directly with agents and review multiple offers and coverage plans from multiple companies to decide on the right solution for your organization.
* While doing all we can to keep our site up to date, be aware that "current" information on this site, such as estimate information, or relevant company information, may only be accurate from its last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Contact your own legal or tax advisor.