Protect Your Business on the Open Road Long-Haul/OTR Trucking Insurance

Comprehensive Long-haul/OTR trucking coverage is essential for businesses operating across state lines or long distances, providing protection against risks such as accidents, theft, and cargo damage.

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Why Comprehensive Coverage is a Must for Trucking Companies Who Needs Long-Haul/
OTR Trucking Insurance?

Coverage Long-haul/OTR trucking is crucial for any trucking company that operates across state lines or long distances. With the increased exposure to risk, having comprehensive insurance coverage is essential to protect your business from potential accidents, theft, or damage to your cargo.

Businesses like these need this type of coverage:
  • Trucking companies that operate across state lines
  • Independent owner-operators
  • Companies that transport valuable or sensitive cargo
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Understanding the Demands of the Open Road What is Long-Haul Trucking?

Long-haul/OTR trucking refers to the transportation of goods over long distances, often spanning multiple states or even countries. This type of trucking requires drivers to spend extended periods on the road, often driving long hours through varying weather and road conditions. Long-haul/OTR trucking can be a challenging and demanding profession, but it plays a critical role in keeping our economy moving.

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Types of Coverage Required for Long-Haul/OTR Trucking

Long-haul/OTR (Over-The-Road) trucking companies are required by law to have several types of insurance coverage to protect their drivers, trucks, and cargo.

Here are the types of insurance that are typically required for long-haul/OTR trucking:

  • Bobtail
  • Liability
  • Physical Damage
  • Cargo
  • Bobtail Insurance: This type of insurance covers your truck when it's being operated without a trailer, such as when driving to or from a job.
  • Liability Insurance: This type of insurance is required by law and provides coverage for bodily injury or property damage that you may cause to other drivers or their property.
  • Physical Damage Insurance: This insurance covers damages to your truck and trailer in the event of an accident or other covered loss.
  • Cargo Insurance: This coverage provides protection for the goods being transported in your truck in case of damage or loss.
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How Much Does Long-Haul Trucking Insurance Cost?

Factors Affecting Your Insurance Premiums

The cost can vary widely depending on several factors, such as the type of cargo you transport, the number of miles you drive, and your driving record. Generally, the cost can range from a few thousand dollars to tens of thousands of dollars per year.

To get an accurate estimate of the cost of insurance for your business, get in touch with Cheap Truck Insurance today!

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Protecting Your Business from Risks At Home & On The Road

Long-Haul/OTR Coverage That Follows You
What Does Insurance Coverage Look Like For Long-Haul/OTR Trucking?

Coverage for your Long-haul/OTR trucking company can cover a range of potential risks, including accidents, theft, and damage to cargo.

Depending on the policy, coverage may include:

  • Liability coverage for bodily injury and property damage
  • Physical damage coverage for your truck and trailer
  • Cargo coverage for goods being transported
  • Bobtail coverage for times when the truck is being driven without a trailer
  • Medical payments coverage for injuries sustained in an accident
  • Uninsured/underinsured motorist coverage

With Cheap Truck Insurance, you can be assured that your coverage follows you across America, providing peace of mind and protection wherever you go.

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Essential Info for Long-haul/OTR Business Owners

Here are five things you need to know if you are a Long-haul/OTR trucking business owner:

  1. There is required coverage that includes liability, physical damage, and cargo insurance.
  2. Long-haul/OTR trucking companies also need specialized coverage, such as bobtail insurance and non-trucking.
  3. Occupational accident insurance covers medical expenses and lost wages
  4. Insurance costs vary based on factors such as trucks, drivers, and coverage limits.
  5. Working with a Cheap Truck Insurance agent who specializes in long-haul/OTR trucking coverage can help ensure that your business is properly protected with the right coverage & policy limits, as well as help you manage your insurance costs.
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