Some standard exclusions in trucking insurance policies include hauling hazardous materials, driving beyond a certain distance from the driver’s home base, driving a certain number of miles in a day, driving on certain types of roads, or driving a specific class of trucks. For consultations in Davie, FL, consult Zot Insurance Agency. 

What Does Trucking Exclusions Entail? 

If your policy has an exclusion, you will not be covered if you are involved in a claim. Other exclusions include transporting cargo for hire, operating outside the U.S., using a truck that is not covered by insurance, using an unlicensed driver, using an uninsured driver, using an unlicensed or uninsured carrier, exceeding the load limit, driving recklessly, driving negligently, failing to maintain the truck, failing to maintain the cargo, and failing to maintain insurance. 

Most trucking insurance policies exclude certain types of cargo. For example, some policies exclude hauling materials with a high risk of explosion or very flammable materials. Other policies exclude hauling materials that are very heavy, such as certain types of concrete. Some policies exclude hauling materials with a high risk of falling from the truck, such as large pieces of glass. 

Some common exclusions that you may find in trucking insurance policies include towing or hauling:  

• Hazardous materials
• Goods that exceed a certain value
• Cars or livestock
• Livestock or vehicles with a certain value
• A vehicle in non-emergency circumstances
• Non-operational cars
• Anything other than an insured truck
• Anything other than an insured trailer
• Anything other than an insured semi
• Anything other than an insured commercial motor vehicle
• Anything other than an insured motor vehicle
• Anything other than an insured motor vehicle in non-emergency circumstances
• Anything other than an insured motor vehicle that exceeds a certain value

Bottom Line 

Some companies exclude hauling certain types of trailers, such as those not rated for the cargo weight. You can also remain uncovered for driving into certain locations, driving a certain distance, or driving a certain type of load. You will need a separate policy if you need coverage for hauling hazardous materials. For help, call Zot Insurance Agency, serving in Davie, FL.