Trucking Insurance in Palm Desert, CA

The trucking industry is rife with risks and exposures, making robust loss control measures essential for even the most experienced and responsible operations. In California, where diverse landscapes, long highways and crowded urban areas abound, accidents and other incidents may be particularly problematic. Fortunately, the team at Rhino Insurance Brokerage LLC has ample experience working with trucking businesses to assemble ideal insurance solutions.

Trucking Insurance Coverage Options

Although every trucking operation may have unique circumstances, including those managing a fleet or owner-operators, many risks and perils may be relevant for most in this sector. With this in mind, building a trucking insurance package around the following core elements is an advisable approach:

• Commercial auto insurance—Legally required for business use of motor vehicles, this type of policy can help pay for third-party losses you cause in an accident, as well as damage to your own truck(s).
• Cargo insurance—These policies can provide financial protection for goods you transport in your trucks. Coverage may include many common incidents, including fires, theft and accidents.
• Workers’ compensation insurance—If you employ drivers, this type of policy can be critical. Following on-the-job incidents, affected employees can receive financial aid, including for medical care and wage replacement. Many California employers are legally required to carry workers’ compensation insurance.
• General liability insurance—This can assist with third-party bodily injuries, property damage and personal and advertising injuries arising from incidents that didn’t involve your trucks. For example, if a client is hurt while visiting your offices, your policy may provide aid.
• Business interruption insurance—If your operations are delayed or you need to temporarily shut down due to a covered incident, this type of coverage can help you recoup lost income and manage ongoing expenses.
• Commercial umbrella insurance—Given the potential for serious accidents in the trucking industry, this type of policy may be necessary, as it can provide additional liability coverage for particularly costly incidents that may exceed the capabilities of other insurance.

We’re Here to Help

Contact our team today to learn more about trucking insurance options and discuss how we can help financially safeguard your business.