Trucking insurance in Waldron, AR, provides specialized coverage tailored to meet the needs of businesses and truck drivers who transport cargo. Unlike standard auto policies, trucking insurance offers unique protections, making it essential to understand the common types of coverage available.

Levels of Coverage

Trucking insurance policies offer various levels of coverage, similar to auto insurance. Limited liability insurance covers damages to the other party and their vehicle, as well as medical bills for the affected driver. However, liability coverage typically does not extend to cargo.

For broader protection, comprehensive coverage is available. This type of policy can include damage to cargo, depending on the specifics of the coverage. Speaking with a professional at a company like The Owens Agency LLC can help you determine the level of coverage needed to protect your cargo and other assets.

Additional Coverage

Businesses often opt for additional coverage, such as cargo insurance. Cargo coverage is specifically designed to protect against damage to goods during a covered peril, such as theft or accidents. Some policies may also cover refrigeration unit breakdowns or debris cleanup after an accident.

It’s important to note that exclusions may apply. For example, some policies exclude high-value cargo, such as electronics, unless additional coverage is purchased. Other exclusions may include intentional damage or theft by an employer or employee, as well as cargo damage caused by war.

At The Owens Agency LLC, we understand the importance of ensuring your cargo is protected under your trucking insurance policy. Our agents take the time to learn about your unique situation and find the best policy to meet your needs. Contact us today to learn more. We proudly serve the Waldron, AR, area.