Dovbenko Agency. Truck and Cargo Insurance

If you own a trucking business or work as an owner-operator, you know how important it is to protect your truck, cargo, and yourself.

Truck insurance is designed to protect you from financial loss if there’s an accident, damage, or theft. It covers:

Your truck: Repairs or replacement if your vehicle is damaged.

Cargo: Protection for the goods you’re transporting.

Liability: Coverage for injuries or damage to others in an accident.

Key types of Truck Insurance

Primary Liability Insurance: Required by law. It covers damages or injuries caused to others if you’re at fault in an accident.

Physical Damage Insurance: Covers repair or replacement of your truck after an accident, theft, or natural disaster.

Cargo Insurance: Protects the goods you're hauling.

Bobtail Insurance: Coverage for your truck when you’re not hauling cargo or driving between jobs.

Non-Trucking Liability: Coverage when you're not under dispatch and your truck is out of service but still on the road.

Why do you need it?

Trucking involves risks like accidents, weather, theft, or even legal issues. Without insurance, these events can be very expensive and hurt your business. Having proper coverage keeps your operations running smoothly and ensures compliance with U.S. regulations.

Tips for choosing the right insurance

Work with an experienced agent who understands trucking.

Know what your contracts and routes require.

Keep your driving record clean to get better rates.

Regularly review your policy to ensure you have adequate coverage.

Contact:
+1 (773) 627-8892
+1 (312) 858-4708

 

We’re here to help!

At Dovbenko Agency, we specialize in trucking insurance. Whether you're an owner-operator or managing a fleet, we’ll help you find the best coverage to fit your needs and budget.