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Shopping for PA Truck Insurance has never been an easy and enjoyable task. Let’s face it, who wants to pay large sums of money to the already wealthy insurance companies. Yes, insurance is one of those necessary items we all have to buy. We understand this dilemma very well. This is why we would like you to be informed.

We really want you to shop for your insurance, but we also want you to be well-versed of what to expect and what to demand. Use the experience of our transportation risk specialists and commercial insurance brokers that offer local, intermediate and long distance big rig trucking insurance including new ventures just starting up.

Anyone below 30 years of age, or a new venture, should expect to be considered a “high risk” and probably pay at least 20% more than if they were 30 or have a couple of years experience. Commercial Trucking and commercial auto insurance rates are sure high in the keystone state, but for young drivers the insurance cost is almost unbearable. There is not really a fix for this issue, only time will reduce your commercial auto insurance premium.

We offer Pennsylvania big rig and box truck insurance policies for owner operators, New Ventures and large fleets. We have policies for new companies as well as established preferred corporations or high exposure operations. We have commercial auto insurance BIPD primary insurance available for contractors, cement mixers, dump trucks, NEMT, Ambulances and much more. 

The state of Pennsylvania is home to many businesses and organizations, each of which requires commercial vehicle insurance to legally operate in the state. Pennsylvania commercial vehicle insurance requirements are specific to the type of vehicle, the nature of the company’s operations, and the amount of coverage that is needed. Understanding these requirements is important for any business or organization that uses commercial vehicles in Pennsylvania. This article will provide an overview of the state’s commercial vehicle insurance requirements, including the types of vehicles that are covered, the types of coverage that are required, and the penalties for failing to comply with the law.

The state of Pennsylvania has some of the strictest commercial vehicle insurance requirements in the country. These requirements are necessary to ensure the safety of the public, while also protecting businesses from the financial burden of expensive claims. In this article, we will discuss the various types of commercial vehicle insurance required in Pennsylvania, as well as the various factors that influence the cost of coverage. We will also explain the penalties associated with failing to meet the state’s requirements.

We make our products easy to buy for just about any business. If your drivers have little or no experience or if they have been truckers all their lives, we have insurance for you. We specialize in providing insurance for the Big Rig Semi Truck market, Public Transportation, NEMT, Paratransit and fleet trucking industries in Pennsylvania and Ohio.

If you are an owner-operator, you normally do not need workers’ compensation because you have no employees, but you may need accident and health insurance as well as disability coverage on yourself as a self-employed professional.

You will also need uninsured-motorist (UIM) coverage and personal-injury protection (PIP), as well as bobtail insurance to cover accidents that occur during “non-trucking use” when your truck is not hauling a revenue load. Unless you own a terminal, you will not need terminal insurance, but if you maintain your own vehicle you’ll want to insure the garage where you do the work.

If you’re an owner-operator, the coverage’s you need will depend on whether you run under your own authority or under someone else’s authority on a permanent or trip lease. If you’re operating under your own authority, you’ll need:

• Primary auto liability coverage (BIPD primary insurance this includes UIM and PIP)
• Physical damage coverage, which also covers your electronic equipment, tarps, chains, etc.
• Cargo coverage, which insures the contents of the trailer, temperature-control machinery, and other appliances or accessories that keep cargo secure. Coverage should be tailored to the type of commodities hauled and the requirements of the shipper. “All-risk” cargo coverage normally is not available.

Optional coverage’s include occupational health and accident insurance (pays daily benefits for equipment if you’re laid up, which could be applied to truck payments), general liability, and garage liability.

If you operate under another’s authority, don’t accept an assignment until you have read the lease carefully to determine who is responsible to provide insurance coverage. If you don’t have a copy of the lease, demand it. In most cases, the motor carrier to whom you are leased will carry primary liability coverage. However, few leases carry physical damage or trailer interchange coverage for the owner-operator. You will need this coverage because you may be liable for damage to trailers you pull but do not own.

Be insured with a quality authorized Pennsylvania truck insurance company offering the following PA Truck Insurance value added services:

Claims Direct toll free number 24 hours a day, 7 days a week to report claims or answer questions.

Examiners specializing in commercial auto liability, physical damage and cargo
coverage.

Assistance in collecting amounts others owe, including your deductible, when
others are responsible for your loss.

Coverage that you need like auto liability, physical damage and cargo coverage all covered  under one policy.

Physical damage coverage that includes towing coverage.

Physical damage coverage that will cover your vehicle up to the full amount you have financed. May be purchased standalone.

Cargo coverage that include costs of cleaning up pollutants and debris. May be purchased standalone.

Loss Control Department and loss control staff with strong truck safety knowledge and expertise.

Assistance with DOT Regs, HazMat and other safety management issues through regular communications, such as newsletters or web site access.

Free safety management and driver training materials such as videos, manuals and bulletins.

Competitive Pricing Flexible payment choices including installment payments and monthly reporting options.

Industry leading coverage and service at a fair market price.

Pennsylvania Trucking Industry experience insuring truckers in all market cycles not in and out of the industry.

Experience insuring big rig truckers and box truck operators in several states not just a regional state or local carrier.

Financial Stability A.M. Best rating of “A” or better.

Adequate assets to ensure ability to stay in business and cover losses.

National Insurers Company and Commercial Insurance Agencies are independent insurance agencies, serving Pennsylvania and Ohio personal and commercial insurance needs for over 35 years.

Our team of professionals strive to provide our clients with quality insurance protection and superior customer service. As an independent agency, we are able to meet the needs of our clients with a diversified portfolio of commercial insurance products from various highly rated companies. We can even insure your trucking terminal or building used for operations with high quality commercial property insurance.

We proudly sell and service Progressive Fleet Insurance, National Indemnity Fleet Insurance and Berkshire Hathaway Fleet Insurance along with several other premium companies.

Some of the Tags/keywords which can be used to find our trucking insurance agency include: Pennsylvania Truck insurance, New Venture Truck Insurance, PA Truck Insurance, Pennsylvania trucking insurance, PA trucking insurance, NEMT Insurance & Commercial Auto Insurance.

The Pennsylvania Department of Transportation defines a commercial vehicle as any vehicle that is used for business purposes and is registered in the state. This includes cars, trucks, vans, and buses that are used to transport goods, passengers, or materials. It also includes vehicles that are used to tow trailers, such as flatbeds and tow trucks. All of these vehicles are subject to the state’s commercial vehicle insurance requirements.

Types of Coverage

Pennsylvania requires that all commercial vehicles be covered by at least the minimum levels of liability insurance. This includes bodily injury liability, which covers any injuries that are caused by the commercial vehicle, and property damage liability, which covers any property damage that is caused by the commercial vehicle. The state also requires that all commercial vehicles be covered by uninsured/underinsured motorist coverage, which covers any injuries or property damage caused by a driver who does not have sufficient insurance or who is not insured at all.

In addition to these mandatory coverage requirements, businesses may choose to purchase additional coverage to protect their vehicles and drivers. Options include physical damage coverage, which covers any damage to the vehicle, and cargo coverage, which covers any damage to the goods that are being transported. Businesses may also choose to purchase additional liability coverage, such as general liability, which covers any injuries or property damage that are not caused by the commercial vehicle.

Penalties for Non-Compliance

Failure to comply with Pennsylvania’s commercial vehicle insurance requirements can have serious consequences. Businesses that are found to be operating without the proper coverage can face fines of up to $500 per violation. Additionally, the state may suspend or revoke the vehicle’s registration, which can lead to a significant disruption in the business’s operations.

Conclusion

Pennsylvania requires all businesses and organizations that operate commercial vehicles in the state to carry at least the minimum levels of liability insurance. This includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage. Businesses may also choose to purchase additional coverage to protect their vehicles and drivers. Failing to comply with these requirements can result in significant fines and other penalties. Therefore, it is important for any business or organization that uses commercial vehicles in Pennsylvania to understand and comply with the state’s commercial vehicle insurance requirements.