Tow Truck Insurance / Dump Truck Insurance
Tow Truck Insurance
If you operate a tow truck, you probably understand that driving a tow truck is very different than driving the average pickup truck. Just as your truck is different, the insurance you carry for it is different too. Tow trucks have additional mechanical equipment that may require specific tow truck insurance coverage to ensure proper protection. Because of the valuable cargo you carry, tow truck drivers face increased liability risks on a daily basis. When operating your tow truck, not only are you responsible for the safety of your truck, but also for the safety and well-being of your customer's vehicle while it is in your care.
American Truck Insurance offers specific coverage options designed for tow truck businesses like Garage Keepers and Garage Liability coverage, to insure your customer's car or truck when it is parked at your facility. We also provide tow truck specific insurance such as On Hook Towing Insurance, to protect your customer's automobile while it is being towed. You may also want to consider other important tow truck insurance coverage options like Cargo Coverage to protect against loss that occurs of the customer's vehicle while it is in your care.
Some of the typical businesses that would want to consider a tow truck insurance policy include:
- Auto mechanics
- Emergency roadside service companies
- Collision and body shops
- Auto club contractors
- Rotational towing
- Service stations
- Vehicle salvage facilities
Without the certainty that you are fully covered in the unfortunate event of loss or damage, you put your business at great risk. Take the time to understand the terms of your tow truck insurance policy before you hit the road and ask questions if there is anything on the policy you are unsure of. The staff at American Truck Insurance is dedicated to keeping your business protected on and off the road. We would be glad to answer any questions you have when shopping for a tow truck insurance plan and help you feel secure in knowing that you are completely covered from bumper to bumper and all of the nuts and bolts in between. Contact us today at 817-225-6081/888-409-7387 or fill out our online quote application to get started.
Dump Truck Insurance
Dump truck drivers are aware of the many safety risks that go along with operating this type of vehicle. There is a high likelihood of tip over because of the heavy loads dump trucks carry in combination with the length of the truck body. Even the type of material you are hauling and where you are hauling it can increase your liability. The health and safety of the driver, other workers on the job site, and the security of other equipment are always vulnerable when dealing with heavy and unstable vehicles like dump trucks. Dump truck drivers know better than anyone how important it is to secure the right dump truck insurance coverage to avoid the high cost of repair or medical expenses when an accident does occur.
The typical operator may want to consider the following options for dump truck insurance:
Liability
As with auto insurance, this coverage is mandatory to drive a dump truck
Cargo Coverage
This insurance will protect the load you are hauling. While not required, many companies will not hire a dump truck driver without cargo coverage to haul their load.
Rental Reimbursement with Downtime
When your truck is your main source of income, it is wise to have this dump truck insurance coverage option as a backup plan so you can continue doing business even in the event of an accident. This will provide you a rental while your truck is being repaired.
Fleet Insurance
Fleet insurance is valuable for companies that are operating many commercial vehicles. Generally having 5 or more commercial trucks will qualify you for fleet insurance.
From the standard dump truck to the ten-wheeler, whether you are hauling dirt or asphalt... when you buy dump truck insurance from American Truck Insurance, we will make sure you have the ideal coverage you need to protect yourself and your vehicle. There are so many factors to consider and we won't rely on you to think of them all. Our experienced staff can offer suggestions on what type of coverage you will need and help you fit a plan to your budget.