Pennsylvania Truck Insurance
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Pennsylvania Truck Insurance
Pennsylvania Truck Insurance. Whether your business owns a single truck or 100 trucks, commercial truck insurance that matches your particular risks and the perils your drivers face on the roadway is important to the success of your business.
Maybe you have just one commercial truck that is used for deliveries, or perhaps you have an entire fleet of trucks that deliver freight throughout the country.
Either way, your insurance needs for PA commercial trucking are unique, and your coverage should reflect just that.
Pennsylvania truck insurance protects your commercial trucking business from lawsuits with rates as low as $97/mo. Get a fast quote and your proof of insurance now.
Pennsylvania Truck Insurance
Commercial trucking can be dangerous. Around 130,000 people are injured annually in accidents involving commercial trucks. Around 70 percent of accidents result in property damage only, while approximately 22 percent of truck accidents involve injuries to others on the road or the drivers of the trucks. Regardless, accidents in commercial trucks in PA can be expensive, with the average payout for a commercial truck accident adding up to an average of $59,000. Pennsylvania truck insurance can deflect those costs from you to the insurance company.
If you own large commercial trucks – including dump trucks, auto trailers, car haulers, garbage trucks, box trucks, tank trucks, flatbed trucks, and tow trucks – you need to make sure that the Pennsylvania truck insurance you purchase for your trucks is adequate enough to cover your liability so as to limit loss in the event of a covered peril. While each of these truck types has a different job, the risk you face is a constant one. The amount of time the truck is on the road, the employees that drive the truck, the number of miles logged annually, and the freight being hauled all factor into how much you will pay for the insurance you buy.
Insuring Your Commercial Truck
Like most commercial auto products, PA commercial truck coverage is available in a number of iterations. Each iteration is designed with the specific goal of protecting the owner of the policy from loss. Some types to consider include:
- Liability insurance. While most states require that owners of commercial vehicles maintain liability insurance, the minium level of coverage in PA is $15,000/$30,000. However, you should purchase the maximum amount of liability coverage you can afford. This insurance mitigates the risks that you face if you or someone driving your truck is found to have caused an accident. This type of policy usually covers bodily injury to other parties, property damaged during an accident, and the costs of defending the claim in court.
- Physical damage coverage. The cost of repairing a vehicle involved in an accident can be exorbitant, but this type of coverage handles the repair costs up to your specified policy limits. While collision coverage pays for damages due to colliding with another vehicle or object, comprehensive coverage pays for non-collision damages. For example, a truck that's damaged when the wind blows it over.
- Uninsured/underinsured motorist coverage. If you are involved in an accident with another vehicle that lacks adequate coverage to pay for repairs or that has no insurance at all, this coverage takes the place of the other party's insurance.
- Cargo coverage. Theft or damage of the freight you haul is covered by this type of policy.
Commercial Truck Classificaton
Commercial trucks are classified according to the Gross vehicle weight rating (GVWR). The United States Department of Transportation (USDOT) classifies PA commercial trucks with eight classes:
- Class 1 - GVWR ranges from 0 to 6,000 pounds (0 to 2,722 kg)
- Class 2 - GVWR ranges from 6,001 to 10,000 pounds (2,722 to 4,536 kg)
- Class 3 - GVWR ranges from 10,001 to 14,000 pounds (4,536 to 6,350 kg)
- Class 4 - GVWR ranges from 14,001 to 16,000 pounds (6,351 to 7,257 kg)
- Class 5 - GVWR ranges from 16,001 to 19,500 pounds (7,258 to 8,845 kg)
- Class 6 - GVWR ranges from 19,501 to 26,000 pounds (8,846 to 11,793 kg)
- Class 7 - GVWR ranges from 26,001 to 33,000 pounds (11,794 to 14,969 kg)
- Class 8 - GVWR is anything above 33,000 pounds (14,969 kg)
Getting Quotes for Commercial Truck Insurance
Because Pennsylvania truck insurance for your commercial truck can be as varied as your individual business, it can be hard to get multiple quotes for coverage. Following are common classes for PA commercial truck insurance:
- Box trucks
- Semi trucks
- Flatbed trucks
- Front loaders
- Garbage trucks
- Pickup trucks
- Tank trucks
- Dump trucks
- Auto hauler trailers
- Flatbed trailers
- And many more...
Working with an agent who is adept at deciphering the legalities of PA commercial insurance can help. The agent can analyze the way that you use your vehicle and gain understanding of your business to determine the right policy for your specific situation.
A variety of factors influence your rates. Your credit history and your business' credit rating are important when determining how much insurance will cost. Insurance companies also look at the make, model, and year of your trucks, the number of trucks you have on the road, any accidents that your business has been involved in, how far your trucks journey away from home, and how often they are driven.
Your agent will need to know a few specifics about your business, your drivers, and your typical cargo to get you the best Pennsylvania truck insurance quote. Some questions you may need to answer:
- Does your truck cross state lines?
- Where will your truck be garaged?
- What do you haul?
- Will you haul hazardous materials or heavy equipment?
- Are your driver's certified?
- Is your truck financed?
Using your answers and analyzing your driving record and the driving histories of your employees can help the agent to determine which options suit you best. A local agent is a good place to start looking for the necessary Pennsylvania truck insurance coverage you need to mitigate your risks as a commercial truck owner.
Request a Pennsylvania Truck insurance quote in Allentown, Allison Park, Altoona, Baldwin, Bensalem, Bethel Park, Bethlehem, Bloomsburg, Carlisle, Chambersburg, Chester, Drexel Hill, Easton, Erie, Fullerton, Greensburg, Hanover, Harrisburg, Hazleton, Hermitage, Hershey, Horsham, Indiana, Johnstown, King of Prussia, Lancaster, Lansdale, Lebanon, Levittown, McKeesport, Monroeville, Murrysville, New Castle, Norristown, Philadelphia, Phoenixville, Pittsburgh, Pottstown, Pottsville, Reading, Scranton, State College, Upper Darby, West Chester, West Mifflin, Wilkes-Barre, Wilkinsburg, Williamsport, Willow Grove, York and all other PA cities. Also see New York Truck Insurance, New Jersey Truck Insurance, Delaware Truck Insurance
Pennsylvania Public Utilities Commission (PUC) Information
- PUC - Regulated Transportation - The PUC regulates motor carriers that transport property, passengers or household goods as well as brokers of passenger transportation between points in Pennsylvania for compensation. Property carriers (e.g., trucking companies) and charter bus carriers (seating capacity of more than 15) are regulated for safety and insurance requirements only.
Federal Motor Carrier Safety Administration Information
- Federal Motor Carrier Safety Administration (FMCSA) - The Federal Motor Carrier Safety Administration's primary mission is to prevent commercial motor vehicle-related fatalities and injuries.
- Safer System - The FMCSA Safety and Fitness Electronic Records (SAFER) System offers company safety data and related services to industry and the public over the Internet. Users can search FMCSA databases, register for a USDOT number, pay fines online, order company safety profiles, challenge FMCSA data using the DataQs system, access the Hazardous Material Route registry, obtain National Crash and Out of Service rates for Hazmat Permit Registration, get printable registration forms and find information about other FMCSA Information Systems.
- FMCSA Forms - All forms needed for the Federal Motor Carrier Safety Administration.
- Update MCS 150 - Form MCS-150 and Instructions - Motor Carrier Identification Report.
- How does CSA work? - CSA (Compliance - Safety - Accountability) re-engineers the former enforcement and compliance process to provide a better view into how well large commercial motor vehicle carriers and drivers are complying with safety rules, and to intervene earlier with those who are not.
Quotes from leading small business insurance carriers including: ACE, AmTrust, Builders & Tradesmen's, Chubb, CNA, Employers, Foremost, Guard, Hiscox, Liberty Mutual, Markel, Nationwide, Penn America, Philadelphia, Progressive, Scottsdale, The Hartford, Travelers, USLI, Western World, Zurich & others.