Commercial Trucking Insurance & Delivery Truck Insurance
When you purchase commercial trucking insurance from Lawrence & Brownlee Insurance, you get more than “peace of mind”. You get affordable protection and superior service. We know that your time is limited. You can get a fast, reliable truck driving insurance quote by calling our professional transportation team at (800) 804-0896.
Lawrence & Brownlee Insurance represents only companies rated “A” by A.M. Best. Companies that offer trucker insurance are not all the same. You need an expert to guide you thru the maze of insurance requirements and regulations. There are various factors that impact insurance costs, such as driving records, age of the driver, age of equipment, commodities hauled, radius, vehicle location, loss history, years in business, and the list goes on.
Owner-Operator Versus Leased Operator
If you are an owner-operator with your own authority, your trucking insurance requirements are more complex than if you are leased to someone else, operating under their authority. When you lease to someone else and operate under their authority, it is very important that you read and fully understand the lease agreement. The lease will specify who is responsible to provide insurance coverage. In most cases, the motor carrier you are leased to will carry primary liability coverage. However, few leases carry physical damage 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.
Few businesses offer as much regulation and differentiation as the trucking insurance industry. Insurance is one of the largest fixed expenses that a trucker or trucking company faces today. Keep in mind that not all insurance policies are the same. Purchasing your commercial trucking insurance coverage based on the lowest price is not always best for you.
Coverages to Consider
When you buy trucking insurance, consider the following:
- Primary Liability
- Physical Damage
- Motor Truck Cargo
- General Liability
- Non-trucking Liability
- Workers Compensation
- Excess/Umbrella Coverage
Lawrence & Brownlee Insurance was established in 1912, so we have over 100 years of insurance industry experience with rigorous training in trucker insurance. Our transportation insurance staff will work with you to provide a comprehensive truck insurance package in a complete and affordable plan. Call (800) 804-0896 today for a free, no obligation quote.