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INTERSTATE AND INTRASTATE TRUCKING

• Admitted auto liability states include: FL, GA, IL, NC and TX

• Trucking / Tractor Trailers for both Interstate and Intrastate

• A- Excellent Carrier

• Competitive Rates

• 1-25 power units - 2 additional power units per quarter allowed above the original cap of 25 units

• Dash cam required and provided at no additional cost - safer driving, driver coaching and help with claims and disputes

• 2 years minimum driving experience with like vehicle

• Tractors and trailers must be newer than 20 years old

• Refrigeration breakdown available if trailers are less than 10 years old

• $7,500 towing & storage limit (APD) included with options up to $25,000

Commercial Auto Insurance

Motor Truck Cargo Insurance

Truckers General Liability Insurance

Umbrella Insurance

Workers' Compensation Insurance

Commercial Auto Insurance

Motor Truck Cargo Insurance

Truckers General Liability Insurance

Umbrella Insurance

Workers' Compensation Insurance

AVAILABLE IN TEXAS, GEORGIA AND MARYLAND

CALL TODAY FOR A QUOTE

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Commercial Auto Insurance

Motor Truck Cargo Insurance

General Liability Insurance

Workers' Compensation Insurance

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Comprehensive Insurance Solutions for Commercial Trucking

By Agent Danny Ruiz | Del Toro Insurance

Operating a commercial trucking business involves significant risks—whether you're hauling freight across state lines or transporting goods locally. In order to protect your assets, employees, and operations, a variety of insurance coverage is essential. At Del Toro Insurance, Agent Danny Ruiz specializes in providing tailored insurance solutions for commercial trucking businesses in Florida (FL), North Carolina (NC), Georgia (GA), Texas (TX), and Illinois (IL). From Workers' Compensation Insurance to Commercial Auto Insurance, we ensure that your trucking company is fully protected.

Why You Need Workers' Compensation Insurance for Trucking

For commercial trucking businesses, workers’ compensation insurance is one of the most crucial coverages. Truck drivers spend long hours on the road, often facing hazardous weather, heavy traffic, and unpredictable road conditions. Injuries are not uncommon, whether they are the result of accidents, overexertion, or workplace conditions. Without workers' comp insurance, the financial burden of covering medical expenses, lost wages, and potential lawsuits for workplace injuries can cripple your business.

Workers' compensation insurance for trucking companies provides the following key protections:

• Medical Expenses: Covers the cost of medical treatment for employees who are injured while working, including hospital visits, surgeries, and rehabilitation.

• Lost Wages: If an employee is unable to work due to a work-related injury or illness, workers' compensation insurance helps replace a portion of their lost income.

• Disability Benefits: In cases of permanent disability, workers’ comp provides ongoing financial support to affected employees.

• Death Benefits: In the unfortunate event that a worker is killed on the job, workers’ compensation covers funeral expenses and provides financial support to their family.

In states like Florida, North Carolina, Georgia, Texas, and Illinois, workers' compensation is required for trucking businesses, particularly when you have employees. The requirements may vary by state and business size, but it’s important to be compliant in order to avoid fines or legal action.

Key Insurance Coverage for Commercial Trucking

1. Commercial Auto Insurance
   Commercial auto insurance is a must-have for any trucking business. It provides coverage for the trucks themselves, protecting against damages from accidents, theft, or vandalism. This coverage typically includes:

   • Liability Insurance: Covers damages you cause to others in an accident, including property damage and bodily injury.

   • Collision Insurance: Covers damages to your trucks in the event of a collision.

   • Comprehensive Insurance: Protects against non-collision damage, such as vandalism, theft, or weather-related damage.

   • Personal Injury Protection (PIP): Covers medical expenses for your driver, regardless of fault.

2. Motor Truck Cargo Insurance
   As a trucking business, you’re responsible for the goods you transport. Motor truck cargo insurance protects your cargo from damage or loss during transit. Whether you're hauling electronics, machinery, or perishables, this coverage ensures you’re not financially responsible for the damage to the goods you carry.

3. Truckers General Liability Insurance
   Truckers General Liability Insurance protects your business against third-party claims for injury or property damage. For example, if a member of the public is injured by your driver or if your vehicle causes damage to property while on the job, general liability insurance helps cover the costs, including legal fees.

4. Umbrella Insurance
   Umbrella insurance offers additional liability protection once your standard liability insurance limits have been exceeded. For instance, if an accident causes significant property damage or serious injuries, umbrella insurance can help cover expenses beyond the limits of your commercial auto or general liability policies. This added layer of protection is critical for trucking businesses, where the financial stakes can be high.

Protecting Your Business with Del Toro Insurance

At Del Toro Insurance, we understand the complex insurance needs of commercial trucking businesses. Whether you operate in Florida, North Carolina, Georgia, Texas, or Illinois, our team works with top-tier insurance providers to create customized policies that ensure you’re fully covered.

We know that every trucking business is different. Whether you own a fleet of trucks or operate as an independent contractor, we’ll help you navigate the various insurance options and tailor a package that suits your needs. With a comprehensive plan that includes workers' comp, commercial auto insurance, cargo insurance, and liability coverage, you can rest easy knowing that your business and drivers are protected.

Get the Right Coverage Today

As an owner-operator or commercial trucking business, securing the right insurance coverage is vital to the continued success and longevity of your business. Contact Agent Danny Ruiz at Del Toro Insurance for a personalized consultation. We’ll assess your unique needs and help you find the best insurance solutions for your trucking operations.

Don’t wait until it’s too late—protect your fleet, employees, and business with the right coverage. Reach out today for a free quote!