Whether you operate your truck in Davie, FL, or all over the country, it is critical to have a comprehensive trucking policy in place. The specialists at Zot Insurance Agency would be happy to guide you through the process of putting together a policy that is customized to your trucking needs. 

How do I know what type of policy I need for my truck?

Trucks are classified into three different categories, and depending on the type of truck you have, we will be able to determine the right policy. A truck will either be insured as a light, medium, or heavy-duty truck. Each one of those classes of trucks requires a specific policy. 

What type of coverage do I need?

While each truck company is different, below are the basic coverages most trucking companies carry. 

• Commercial Auto Liability: A commercial auto policy will help pay for liability and property damage in the event your truck is in an accident with a third party.

• Physical Damage coverage: Unlike the commercial auto policy that only covers third party damages, the physical damage coverage will help repair or replace your truck in the event of an accident. 

• Motor Truck Cargo: Truck cargo insurance will help recover the cost in the event the load you are carrying is lost or damaged.

What is the insurance company rating? 

This is a critical question to ask as you want to make sure the insurance company will be around in the event you need to file a claim. A high rating indicates a financially sound insurance company. 

Do I need an umbrella policy? 

Considering an umbrella policy is never a bad idea. As you know, trucking accidents can cause a large amount of damage, and an umbrella policy will offer you additional protection. 

If you would like to learn more about trucking insurance, reach out to an agent at Zot Insurance Agency in Davie, FL today. We proudly serve Florida and nearby states.