Commercial Truck Insurance
Carolina Elite Insurance is here to help you protect yourself while you are on the road. We write commercial truck insurance in North Carolina. Our agents are knowledgeable and standing by to help your with all aspects of commercial truck insurance.
Who needs Truckers Insurance?
If you own or operate a commercial truck you need commercial trucker insurance. It provides basic coverage for the truck and transportation business. Are you the proud owner of a huge rig? Do you have a transportation fleet? We will find you coverage. And because it has to be revisited each year, we help you with filings and other future needs as well.
Federal regulations require a minimum of $750,000 in liability insurance for a for-hire carrier (with a gross vehicle weight rating of 10,000 pounds or more) that engages in interstate or foreign commerce and transports non-hazardous property.
North Carolina law requires that any commercial motor vehicle owner have financial responsibility for the operation of the motor vehicle in an amount equal to that required for for-hire carriers transporting non-hazardous property in interstate or foreign commerce. The minimum required is $750,000.
The Coverage Types
Trucking insurance doesn’t have to be complicated. Because we care, let us break it down. It has similarities to Auto Insurance. But there are also many differences. Lets run through the types of insurance you can carry
Physical damage is similar to Auto Insurance. This will protect you if you are in an accident with another vehicle. It pays the cost of the damage to the other parties property.
Primary Auto Liability is required for truckers. It will protect the other party if you are involved in an accident.
General Liability will protect the business even if the truck is not involved in an accident.
Non-trucking Liability will protect you as driver even when you are not under dispatch.
Non-owned Trailer Liability will protect you if you are pulling a trailer. We have you covered.
Trailer Interchange Liability covers a trailer when there is an interchange agreement involved.
Cargo Insurance covers your cargo while in transit.
Terminal Coverage will protect cargo located at specified terminals.
Warehouse Legal will protect cargo stored at a warehouse.
We know the in’s and out’s of truckers insurance. Whether you need commercial truck insurance or a combination of coverages, our specialists can help you find the commercial insurance you’re looking for.