Prime Truck Insurance

Having trouble finding just the right truck Insurance or commercial auto insurance for your business?  You are in the right place because our Transportation Risk Specialists will help you design a policy that works.

We have licensed brokers that will help you with a Prime Truck Insurance quote, discuss your payment options and help you get your policy started in the states of Florida, Georgia, Indiana, Iowa, Kansas, Maryland, Nebraska, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina or Virginia.

Contact us for here for a -> Prime Truck Insurance rate quote <-

THE TRUCKERS AND MOTOR CARRIERS COVERAGE FORMS

Truckers Symbols Of Covered Vehicles.

Section I – Covered Autos
This section describes the symbols used on the Truckers Auto Policy to activate coverage. Here is the list of Symbols with a brief explanation for each:
SYMBOL 41 – ANY “AUTO.”

SYMBOL 42 – OWNED “AUTOS” ONLY. Only those “autos” you own (and for liability coverage any “trailers” you do not own while attached to power units you own. This includes those “autos” you acquire ownership of after the policy begins.

SYMBOL 43 – OWNED COMMERCIAL “AUTOS” ONLY. Only those trucks, tractors and “trailers” you own (and liability coverage “trailers” you don’t own while connected to a power unit you own). This includes those trucks, tractors and “trailers” you acquire ownership of after the policy begins.

SYMBOL 44 – OWNED “AUTOS” SUBJECT TO NO-FAULT. Only those “autos” you own that are required to have no-fault benefits in the state where they are licensed or principally garaged. This includes those “autos” you acquire ownership of after the policy begins provided they are required to have no-fault benefits in the state where they are licensed or principally garaged.

SYMBOL 45 – OWNED “AUTOS” SUBJECT TO A COMPULSORY UNINSURED MOTORISTS LAW. Only those “autos” you own that because of the law in state where they are licensed or principally garaged are required to have and cannot reject uninsured motorist coverage. This includes those “autos” you acquired ownership of after the policy begins provided they are subject to the same uninsured motorists requirements.

SYMBOL 46 – SPECIFICALLY DESCRIBED “AUTOS.” Only those “autos” described in Item Three of the Declarations for which a premium charge is shown (and for liability coverage any “trailer” you do not own while attached to any power unit described in Item Three).

SYMBOL 47 – HIRED “AUTOS” ONLY. Only those “autos” you lease, hire, rent or borrow. This does not include any “autos” you lease, hire, rent or borrow from any of your employees or partners or members of their households.

SYMBOL 48 – “TRAILERS” IN YOUR POSSESSION UNDER A WRITTEN TRAILER OR EQUIPMENT INTERCHANGE AGREEMENT. Only those “trailers” you do not own while in your possession under a written “trailer” or equipment interchange agreement in which you assume liability for “loss” to the “trailers” while in your possession.

SYMBOL 49 – YOUR “TRAILERS” IN THE POSSESSION OF ANOTHER TRUCKER UNDER A WRITTEN TRAILER INTERCHANGE AGREEMENT. Only those “trailers” you own or hire while in the possession of anyone else under a written “trailer” interchange agreement. When Symbol “49” is entered next to a Physical Damage Coverage in Item Two of the Declarations, the Physical Damage Coverage exclusion relating to “loss” to a “trailer” in the possession of anyone else does not apply to that coverage.

SYMBOL 50 – NONOWNED “AUTOS” ONLY. Only those “autos” you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes “autos” owned by your employees or partners or members of their households but only while used in your business or your personal affairs.
Section II – Liability Coverage
This section defines the insured, indicates amounts paid in case of a claim, and lists exclusions which the policy will not cover for liability.
Section III – Trailer Interchange Coverage
This section applies to insured’s legal liability for damage to non-owned trailers.
Section IV – Physical Damage Coverage
This section lists the conditions and exclusions when physical damage is provided for owned autos.
Section V – Truckers Conditions
This section lists the rights of the insured, the insurance company, and the various special stipulations for the Truckers Auto Policy type. Note that the policy condition B-6 states that the final premium will be developed by audit.
Section VI – Definitions
This section defines and clarifies various words and phrases used in the policy, such as “autos,” “mobile equipment” and “insured.”

SYMBOL 61 ANY “AUTO.”

SYMBOL 62 OWNED “AUTOS” ONLY. Only those “autos” you own (and for liability coverage any “trailers” you do not own while attached to power units you own.) This includes those “autos” you acquire ownership of after the policy begins.

SYMBOL 63 OWNED PRIVATE-PASSENGER TYPE “AUTOS” ONLY. Only the “private-passenger type autos” you own. This includes those “private-passenger type autos” that you acquire ownership of after the policy begins.

SYMBOL 64 OWNED COMMERCIAL “AUTOS” ONLY. Only those trucks, tractors and “trailers” you own (and for Liability Coverage any “trailers” you don’t own). This includes those trucks, tractors and “trailers” you acquire ownership of after the policy begins.

SYMBOL 65 OWNED “AUTOS” SUBJECT TO NO-FAULT. Only those “autos” you own that are required to have no-fault benefits in the state where they are licensed or principally garaged. This includes those “autos” you acquire ownership of after the policy begins provided they are required to have no-fault benefits in the state where they are licensed or principally garaged.

SYMBOL 66 OWNED “AUTOS” SUBJECT TO A COMPULSORY UNINSURED MOTORISTS LAW. Only those “autos” you own that because of the law in state where they are licensed or principally garaged are required to have and cannot reject uninsured motorist coverage. This includes those “autos” you acquired ownership of after the policy begins provided they are subject to the same uninsured motorists requirements.

SYMBOL 67 SPECIFICALLY DESCRIBED “AUTOS.” Only those “autos” described in Item Three of the Declarations for which a premium charge is shown (and for liability coverage any “trailer” you do not own while attached to any power unit described in Item Three).

SYMBOL 68 HIRED “AUTOS” ONLY. Only those “autos” you lease, hire, rent or borrow. This does not include any “autos” you lease, hire, rent or borrow from any of your employees or partners or members of their households.

SYMBOL 69 “TRAILERS” IN YOUR POSSESSION UNDER A WRITTEN TRAILER OR EQUIPMENT INTERCHANGE AGREEMENT. Only those “trailers” you do not own while in your possession under a written “trailer” or equipment interchange agreement in which you assume liability for “loss” to the “trailers” while in your possession.

SYMBOL 70 YOUR “TRAILERS” IN THE POSSESSION OF ANOTHER TRUCKER UNDER A WRITTEN TRAILER INTERCHANGE AGREEMENT. Only those “trailers” you own or hire while in the possession of anyone else under a written “trailer” interchange agreement. When Symbol “70” is entered next to a Physical Damage Coverage in Item Two of the Declarations, the Physical Damage Coverage exclusion relating to “loss” to a “trailer” in the possession of anyone else does not apply to that coverage.

SYMBOL 71 NONOWNED “AUTOS” ONLY. Only those “autos” you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes “autos” owned by your employees or partners or members of their households but only while used in your business or your personal affairs.
Section II – Liability Coverage
This section defines the insured, indicates amounts paid in case of a claim, and lists exclusions which the policy will not cover for liability.
Section III – Trailer Interchange Coverage
This section applies to insured’s legal liability for damage to non-owned trailers.
Section IV – Physical Damage Coverage
This section lists the conditions and exclusions when physical damage is provided for owned autos.
Section V – Motor Carrier Conditions
This section lists the rights of the insured, the insurance company, and the various special stipulations for the Motor Carrier Policy type. Note that the policy condition B-6 states that the final premium will be developed by audit.
Section VI – Definitions
This section defines and clarifies various words and phrases used in the policy, such as “autos,” “mobile equipment” and “insured.”

GO Prime and drive insured!

When you need commercial auto for your trucks no matter what size they are, use our Transportation Risk Specialists to help you “Go Prime” and get out on the road.

We have Prime Truck Insurance for new ventures or startup companies from 1 owner operator to larger fleet size accounts.  It doesn’t matter to us how big or small your trucking operation is.

Contact us for a Prime Truck Insurance rate quote.

About Prime Truck Insurance

Prime Truck Insurance has Transportation Risk Specialists that assist business owners that have one local bread delivery truck or a couple of pickups with trailers up to large fleets of Semi’s find affordable insurance.

Contact us for a Prime Truck Insurance rate quote.

Commercial Auto Insurance Most Requested

  • Straight or Box Truck Insurance
  • Commercial Contractor Vehicle Insurance
  • Personal Auto Insurance with business use
  • Local, intermediate and long distance Trucking Insurance
  • Snow Plow Insurance
  • Dump Truck Insurance
  • Tow Truck Insurance

Other Business Insurance Available

  • Business Owners Property Insurance
  • Business Owners Casualty Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Workers’ Compensation Insurance
  • Business Interruption Insurance
  • Life and Disability Insurance
  • Contractors Insurance (CGL) Paper GC’s
  • Manufacturers Insurance
  • Boiler and Machinery Insurance
  • Builder’s Risk Insurance
  • Inland Marine Insurance

Prime Truck Insurance Contact & Quotes

Prime Truck Insurance has Professional Transportation Risk Specialists that understand your needs and concerns.

Get in touch is very easy with our Prime Truck Insurance quick contact form. We will be able to help you in our licensed states of FL,GA,IA,IN,KS,MD,NC,NE,NJ,OH,PA and SC






Coverage/s Needed (*)
Auto LiabilityPhysical DamageCargo CoverageTrailer InterchangeGeneral LiabilityExcess LiabilityReefer BreakdownOTHER

Your Business Type (*)

Requirements For Trucking and interstate transportation of goods.

 

BMC-91 or BMC-91X Public liability insurance (bodily injury/property damage/environmental restoration) •Motor Carrier •Freight Forwarder (Note: Non-vehicle operating freight forwarders may seek waiver of this requirement.)

Freight:–$750,000 – $5,000,000, depending on commodities transported; $300,000 for non-hazardous freight moved only in vehicles weighing under 10,001 lbs.
Passengers:–$5,000,000; $1,500,000 for registrants operating only vehicles with seating capacity of 15 or fewer passengers.

BMC-34 or BMC-83 •Cargo insurance–$5,000 per vehicle
•$10,000 per occurrence
•Household Goods Motor Carrier
•Household Goods Freight Forwarder

BMC-84 or BMC-85 •Surety Bond amount is $75,000
•Trust Fund Agreement amount is $75,000
•Freight Forwarder
•Broker of Freight

BOC-3 Service of Process Agents All Authorities

MCS-90 Endorsement for Motor Carrier Policies of Insurance for Public Liability under Sections 29 and 30 of the Motor Carrier Act of 1980 Hazmat Safety Permit Carriers

Driver’s License

All commercial motor vehicle (CMV) drivers must be appropriately licensed to drive the specific type of vehicles they operate. Appropriate licenses are either an Operator’s License issued by one State or jurisdiction, a Commercial Driver’s License (CDL) (with proper endorsements as necessary). In order to obtain any of these licenses, drivers must have passed a knowledge and skills test for the appropriate type of vehicle.

An Operator’s License is required for drivers of CMVs that
Have a gross vehicle weight rating (GVWR) or gross combination weight rating (GCWR) of 10,000 – 26,000 lbs. (including towing vehicle)
Transport 8 – 15 passengers (including the driver) for compensation (for-hire)

A CDL is required for drivers of CMVs that:
Have a GVWR or GCWR of 26,001 lbs. or more (including towed trailers/vehicles)
Transport 16 or more passengers (including the driver) either for compensation (for-hire) or not for compensation (private)

Exceptions
Motor carriers that do not operate vehicles requiring a CDL
Motor carriers subject to the Federal Transit Administration’s (FTA) alcohol and controlled substance testing program
Employers and drivers that include: active duty military personnel; members of the reserves; members of the national guard on active duty (including personnel on full-time national guard duty, part-time national guard training, and national guard military technicians), and active duty U.S. Coast Guard personnel
Farm vehicle drivers when the vehicle is: Controlled and operated by a farmer as a private motor carrier of property
Being used to transport agricultural products or farm machinery and/or supplies to or from a farm
Not being used in the operation of a for-hire carrier
Not carrying placard-able HM
Being used within 150 air miles of the farm