Why Do Commercial Truck Drivers Need Insurance?

• Any company that employs truck drivers
• Uses commercial vehicles  
• Engages in any transportation-related enterprise

Commercial truck insurance is mandatory across the board, whether you have one vehicle or a large fleet operating throughout the nation. 

Commercial truck insurance, in contrast to commercial auto insurance, is tailored to the unique needs of trucks and their cargo. To legally operate a hire vehicle, commercial truck insurance must be mandated by the Federal Motor Carrier Safety Administration.

You must get commercial truck insurance if you utilize your truck in any way related to your company or profession. If you identify with any of the following, then trucker insurance is a must-have:

• Do jobs use your vehicle?
• Carry customers and their belongings in your vehicle for a price.
• To transport a trailer with company equipment, hire a motor carrier.
• Hire somebody to drive the trucks.

Companies not transporting goods or providing trucking services also benefit from commercial truck insurance. This kind of insurance is essential for any company that regularly employs trucks. These businesses range from bakeries to landscaping firms, caterers, manufacturers, handypersons, and snow removal services.

Do you need to insure your company car? Commercial coverage is required if a vehicle is used for purposes connected to the owner's trade, vocation, or company (as opposed to regular commuting). If you're unsure which business vehicle insurance coverage is correct, answer the questions below.

The FMCSA will only let your business fleet operate with proper insurance coverage. Upon registration, commercial vehicles get a unique DOT number from the FMCSA. However, you won't get your DOT number and can only engage in commercial operations after first providing evidence of insurance.