Commercial Trucking Insurance in Providence, RI & Pawtucket, RI
Trucks are the working vehicles of the automotive industry, designed to provide all the power needed to get things from one place to another. Millions of trucks drive on our nation's roads and freeways every day. While they're critical to our economy, even the safest trucks represent a serious risk for the companies operating them.
Large trucks are involved in a significant number of collisions. According to the Federal Motor Carrier Safety Administration, the average cost per truck crash of medium/heavy trucks is a whopping $148,279. Commercial truck accidents can be incredibly costly, so it’s crucial to have the right kind of insurance.
Whether you're hauling a few supplies between work sites in your truck or manage a fleet that ships products across the entire country, trucking insurance can make sure that you get the support you need in case something goes wrong. The staff at Lefebvre Insurance Agency will work with you to provide tailored commercial truck insurance, giving you the peace of mind you need when your vehicle is on the road.
What Are You Covering?
We cover vehicles in Providence, Pawtucket, Cranston, Warwick and beyond.
The category of commercial trucks includes several types of large vehicles such as:
- Box trucks
- Car haulers and auto trailers
- Cement mixers
- Dump trucks
- Flatbed trucks
- Garbage trucks
- Haul trucks
- Log carriers
- Refrigerator trucks
- Semi-trucks (tractor-trailers or 18-wheelers)
- Tank trucks
- Tow trucks
Commercial trucking insurance can come in several forms, featuring both broad and more specialized coverages, including:
- Collision Coverage
- Comprehensive Coverage
- Hazmat Insurance
- Livestock Cargo Insurance
- Motor Truck Cargo Insurance
- Motor Truck General Liability
- Non-Trucking Liability
- Personal and Property Liability Coverage
- Rental Reimbursement Insurance
- Trailer Interchange Insurance
- Umbrella Insurance
- Uninsured/Underinsured Motorist Insurance
A Closer Look at Semi-Truck Insurance
Semi-trucks are a special category when it comes to insurance. These vehicles face two major threats when they're out on the roads: collision and theft. Reports have noted that theft is becoming increasingly professional in nature, and the average loss is hundreds of thousands of dollars. If you have several trucks robbed at the same time, it's easy to see how quickly those losses could put you out of business.
Our semi-truck insurance policies are designed to meet these changing threats and provide you with the support you need if something goes wrong. We'll work with you to get incidents resolved as quickly as possible so that your truck can get back on the road.
What Determines Your Rate?
Your commercial truck insurance rate is determined by a variety of factors. The following factors can come into play:
- Your coverage requirements
- Your credit history
- Your operating radius
- You or your employees’ driving history and how much they will use the truck
- Your payment plan
- Your truck or fleet's value
- The cargo you are hauling
- The driver's age and Commercial Driver's License (CDL) experience
- The number of miles your truck(s) travel per year
Insurance carriers rate these factors in different ways, creating distinct insurance packages. In order to understand what insurance is best for you, it’s important to compare prices across plans and speak to an insurance agent about this in more detail.
Is Your Commercial Truck Protected?
For more information about commercial truck insurance, call Lefebvre Insurance Agency today or request a quote to get started. If possible, have information about your existing business on-hand, including what type of products you're shipping, how many trucks you or your company owns, what models they are, and how far they typically travel. This will help us find the policy that's most affordable for you while still meeting all your insurance needs.