- What is it?
Flatbed truck insurance can help California flatbed operators insure themselves and their trucks from a variety of covered risks.
- Who’s it for?
- Automotive transporters
- Aviation transporters
- Commercial contractors
- Equipment service providers
- What is offered?
- Comprehensive Coverage
- Collision Coverage
- Equipment Coverage
- Towing and Storage Coverage
Flatbed Truck Insurance in California
We can offer the following insurance products:
Whether you run a courier service or trucking firm here are just some of the vehicle types we can help with:
- Semi-Trucks
- Pickup Trucks
- Box Trucks
- Tank Trucks
- Cargo Vans
- Flatbed Trucks
- Dump Trucks
- Refer Truck
- Delivery/Step Vans
- And More…
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What is Flatbed Truck Insurance?
Operating flatbed trucks comes with potential risks, for these trucks frequently transport large and/or heavy loads. Flatbed truck insurance can help California flatbed operators insure themselves and their trucks from a variety of covered risks.
Flatbed truck insurance is specialized commercial truck insurance for flatbeds. Insurance companies take into account the loads that flatbeds transport and the increased risk of shifting cargo when underwriting these policies. Terms and coverages are adjusted accordingly.
What California Businesses Need Commercial Flatbed Truck Insurance?
Most California businesses that operate flatbeds should carry commercial flatbed truck insurance. The coverages might be needed by:
- Automotive transporters
- Aviation transporters
- Commercial contractors
- Equipment service providers
- Farmers
- Manufacturers
- Scrappers
There are still many other situations where flatbeds are used, and this tends to be the most appropriate type of commercial truck insurance whenever a flatbed is used. Any business that’s unsure whether this or another truck insurance solution is better for their situation can get advice from an insurance agent who’s well-versed in the nuances of these policies.
What Coverages Does Commercial Flatbed Truck Insurance Offer?
Most commercial flatbed truck insurance policies offer multiple coverages so that the policies can provide robust protection. Some of the more common coverages that businesses might want to look for are:
- Comprehensive Coverage: May cover tractor and flatbed against damage by fire, theft, vandalism or similar peril
- Collision Coverage: May cover tractor and flatbed against damage sustained during a rollover or other accident
- Equipment Coverage: May cover ramps, chains, tarps and binders against damage by theft, fire, collision or other peril
- Towing and Storage Coverage: May cover towing and storage costs for damaged equipment
- Downtime Coverage: May extend coverage to when flatbed isn’t being driven
- Non-Trucking Coverage: May extend coverage to when flatbed is driven for non-work reasons
- Motor Truck Cargo Coverage: May cover equipment or other cargo while it’s being transported
- Loading & Unloading Coverage: May cover load as it’s loaded onto and unloaded off from the flatbed
- Underinsured and Uninsured Motorist Coverage: May cover accidents involving improperly insured drivers
In addition to these, businesses may also want commercial general liability coverage, commercial property coverage or other protections. A knowledgeable agent can help businesses explore all of the coverage options that are available.
Do Flatbed Operators Need Workers Compensation Coverage?
Workers compensation generally protects against workplace injuries. Most California businesses that have employees are required to carry the coverage, and thus most flatbed operators need the coverage.
In addition to workers compensation, operators might also want occupational accident (OCAC) coverage. This coverage normally supplements workers compensation, and it sometimes can be used to give owner-operators who aren’t employees coverage for workplace injuries.
Again, an insurance agent who knows flatbed policies well can help with obtaining any necessary workers compensation or OCAC coverages.
How Much Are Premiums for Flatbed Truck Policies?
Premiums for flatbed policies are often unique to a specific situation, as they’re based on many considerations. A business’ location, region served, equipment used, goods transported and past claims history are just some of the factors that can impact cost.
An independent insurance agent can quickly show businesses how much insuring one or more flatbeds will cost in a particular situation. Independent brokers aren’t connected to any one insurance company and can obtain specific quotes from multiple insurers.
How Can Businesses Get Flatbed Truck Insurance?
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