How Does Maintenance Impact Your Trucking Insurance?

Trucking insurance is meant to keep your vehicles safe on the road, whether you own a whole commercial fleet or just a couple of large trucks. The truth is that there are things you can do to protect your truck on your own as well.

The Owens Agency LLC, which serves Waldron, AR, knows that you might have questions about your insurance. Here’s how your trucking insurance policy may be impacted by your maintenance.

Good Maintenance May Cut Down on Mechanical Breakdowns

If you have a trucking insurance policy that includes mechanical breakdowns, you may have to use it less often when you maintain your trucks regularly. The fewer times your trucks break down, the less you have to rely on mechanical breakdown insurance to help you get your trucks back on the road.

Good Maintenance Cuts Down on Injury Risk

You can also cut down on the risk of injury to others when you are aware of the state of your trucks. This means you may not have to use your liability insurance, which covers things like bodily injury, property damage, and medical payments.

Good Maintenance Reduces Physical Damage

Your commercial vehicle may not require as many repairs when it is properly maintained. Some repairs that are not taken care of right away can cause physical damage to the truck, leading to a need for future repairs.

Make Sure You Have the Right Trucking Insurance

The right trucking insurance can make all the difference. Are you ready to check out your policy options? If you operate a trucking business in Waldron, AR, check out The Owens Agency LLC to learn more.

What Waldron, AR truckers need to know about insurance

Finding the right trucking insurance is critically important for both individual drivers and transportation companies. At The Owens Agency LLC in Waldron, AR, we offer several trucking insurance options that provide comprehensive coverage to ensure companies and individuals have the protection they need to operate with confidence. 

What is trucking insurance? 

Believe it or not, there’s no one type of trucking insurance. Think of it as a sort of umbrella term that includes several different types of coverage — all related to trucking. Certain types of trucking insurance protect individual drivers while on the road, while other types cover events such as accidents during loading and refrigeration loss. 

What types of trucking insurance are available? 

Let’s start with the simplest coverage out there — primary liability insurance. This coverage generally protects drivers against liability claims from other motorists after an accident. General liability coverage is designed for trucking companies, although it often provides some coverage for events involving individual drivers. Other options to consider include physical damage coverage and motor truck cargo insurance. The former covers damage to rigs, and the latter protects drivers and transportation companies from claims arising from damage caused by events such as unforeseeable delays. The precise nature of the coverage depends on what you choose, the insurance company you select and Arizona’s insurance regulations. 

Interested? We can help!

If you’d like more information about trucking insurance in Waldron, AR, give the experts at The Owens Agency LLC a call or reach out via the contact information on the website. After speaking with you and discussing your needs, the agents at The Owens Agency LLC can help you determine the best trucking insurance for your particular situation. 

An Intro to Trucking Insurance

The commercial auto policy owned by your interior design consultant varies vastly from the policy carried by a trucker whether short-haul or long-haul. The Owens Agency LLC serving Waldron, AR wants you to understand how commercial auto differs from commercial trucking insurance.

Driving a big rig or 18-wheelers also get called, requires a higher form of commercial auto insurance than other vehicles. The minimum mandatory required insurance includes a full coverage policy to which most states add more than ten policy types.

What does a trucking commercial insurance policy include?

The typical trucking insurance policy consists of coverage that provides for reimbursement for damages when the truck is parked, used for personal reasons, or used for business purposes. Full coverage for a trucking insurance policy includes:

  • Bobtail/deadhead coverage,
  • Bodily injury liability coverage,
  • Collision coverage,
  • Comprehensive coverage,
  • Contingent liability coverage,
  • Employers liability coverage,
  • Hired auto physical damage coverage,
  • Medical payments’ coverage,
  • Motortruck cargo coverage,
  • Property damage liability coverage,
  • Refrigeration breakdown,
  • Rental reimbursement coverage including a business interruption coverage component.

Collision and comprehensive often get referred to collectively as physical damage coverage, but in policy statements, receive separate sections of discussion of allowances, limitations, and policy caps. Most of the coverage types listed in states make mandatory. This excludes rental reimbursement and business interruption though.

An independent trucker would need to purchase most coverages except employers’ liability. That type of insurance a trucking company with many employees who drive for them would purchase. All types of liability insurance most states require.

Call The Owens Agency LLC serving Waldron, AR today for more information on trucking insurance. Let us help your trucking company or independent operation obtain the proper coverage you need.

Exploring Some Common Misconceptions Regarding Trucking Insurance

 The Owens Agency LLC assists the Waldron, AR community by helping residents find multiple types of insurance coverage. We strive to help our clients find the policies they need to protect their most valuable assets. As an independent agency, we offer our clients a wide variety of options so that they can find the right policy for their situation.

Common Misconceptions Regarding Trucking Insurance

If you work in the trucking industry, trucking insurance will provide you with a layer of security. The policy covers the vehicle against potential damages due to a collision or theft. Liability coverage is also important, as you will be protected if the truck damages someone else’s property. As you explore different policies, be aware of some of the common misconceptions regarding trucking insurance.

Don’t rely on your motor carrier’s policy. This is a common mistake that a lot of people make regarding coverage. If you are operating the truck around Waldron, AR in a separate endeavor from the task that your motor carrier assigned, you will not be protected if something happens. Having your own trucking insurance policy is the only way to cover your truck against all of the potential risks.

Make sure that your truck is covered while you have it in storage. Even while your truck is stored at a facility, there is a chance that an accidental fire may start or another type of natural disaster causes damage. There’s also the chance that your truck may be stolen. Make sure that your policy includes storage coverage.

If your truck needs repairs, downtime coverage will protect you. Accidents can happen at any moment, which is why downtime coverage is an asset. You could potentially suffer huge losses if your truck needs repairs and you don’t have downtime coverage.

Consult With The Owens Agency LLC

Visit our website today to learn more information about trucking insurance.

What are the main benefits of getting trucking insurance?

In the shipping and transportation industry, it takes a lot of different companies to ensure that the products we need on a daily basis get to our homes. For those that operate a shipping or trucking business in the Waldron, AR area, there will always be a lot of demand and room for success. However, there are risks with this industry as well that need to be properly protected against. One way that you can protect your business is by getting trucking insurance as it offers a range of benefits. 

Insurance Offers Liability Protection

One of the key advantages of having a trucking insurance policy is that it will offer you liability protection. Anyone that operates in the trucking industry should realize the risks that they take on at all times. This can include having liability associated with holding and transporting products and liability associated with operating vehicles. When you get trucking insurance, you can get coverage against these risks. 

Insurance Protects Trucking Assets

Additionally, your trucking insurance policy is important as it can protect your trucking assets. Beyond the trucks, you will need a lot of equipment needed to operate your business. When you have a trucking insurance policy, it will include coverage to protect all of these assets. This could ultimately save you a lot of money if you do experience damage or theft. 

Anyone that is in the trucking industry needs to make sure that they get a proper trucking insurance policy in place. If you are looking for this insurance in the Waldron, AR area, you should speak with the team at The Owens Agency LLC. If you do call The Owens Agency LLC, you can receive proper guidance and support that will help you choose a trucking insurance policy that is right for your situation. 

Factors That Small Business Owners Should Consider While Researching Trucking Insurance Policies

The Owens Agency LLC assists the Waldron, AR community by offering residents different insurance policies. We are committed to helping our clients find the coverage that they need to protect their most valuable possessions.

Trucking Insurance

For many small business owners throughout Waldron AR, searching for trucking insurance can be a difficult process at times. Trucking insurance can be an integral part of the success of your business. The policy covers the truck in the event that it is damaged or vandalized, as well as the cargo container on the truck. Here are some other factors that small business owners should consider while researching trucking insurance.

Regular Maintenance

Make sure that the truck gets regular maintenance. Also, make sure that you keep updated records on the status of your truck. Keep tabs on the number of miles that your truck is driven on a regular basis. If your truck is used domestically, that may impact your coverage.


Depending on the type of cargo that your truck hauls, you may have to amend your policy. Consider looking at additional coverage if you are hauling cargo that is valuable but fragile. Take pictures of all of the cargo on the truck before your drivers transport it. Also, consider investing in a driver cam. Driver’s cams can help clarify things in the event that a situation arises.


Make sure that the employees on your staff are credible drivers. It’s important that all of your prospective drivers go through the screening process. This will help you uncover any red flags regarding their driving history.  

Consult With The Owens Agency LLC

We will help you navigate the process of finding trucking insurance so that you can protect your business. Visit our website to learn more information.

Do You Need Trucking Insurance?

Are you a professional truck driver? If so, you already know how much you rely on your rig. It is your lifeblood. It is your own small business. Whether you are a contractor that works with different companies or you work exclusively with one service provider, you need to do whatever you can to take care of your truck. Naturally, you’re already an exceptional driver, but what happens if something happens to your truck while on the road? Repairs are not cheap for a vehicle of your size and paying out of pocket isn’t a viable option. That is why you need trucking insurance. Here at The Owens Agency LLC, we want to protect you and help connect you and your truck. So if you live around Waldron, AR, let us assist you. 

Trucking Insurance

You need some kind of insurance for your commercial vehicle. It isn’t just about your regular auto insurance but commercial insurance protects you while you drive for work. Trucking insurance will go a step further as your vehicle is completely different from the standard vehicle most drive. Due to the larger engine and other equipment on your truck, you will want to invest in trucking insurance. 

Protect Your Profession And Rig With Trucking Insurance

Your rig is, in many ways, your life. You depend on it, and as such you need to do what you can to protect it. One of the best ways to do this is with trucking insurance. Trucking insurance will help with repairs and assist you while on the road if you run into problems. This way, you can get back on the road faster. If you have questions about trucking insurance and live in greater Waldron, AR, contact our staff here at The Owens Agency LLC today. 

Is Trucking Insurance For Large Companies Only?

Anyone who drives or owns semi or commercial trucks will need to have trucking insurance. This broad term for insurance refers to coverage that is available for both owner-operators or even large trucking companies. Regardless of how many trucks you want to cover, there is a policy that fits the need.

Trucking Insurance

Trucking insurance is written specifically to tailor to the individual or company who owns the truck or business in question. This coverage provides protection for special hazards and instances of liability that are indicative of the trucking industry. If you are searching for quality trucking insurance, it works best to have an experienced agent who works with you to help discover the right policy to fit your specific needs.

Agents on Your Side

When you are shopping for trucking insurance, you wan to use agents who are on your side, and who are committed to helping you get the best quality protection available so you can have peace of mind while out on the open road. If you live near Waldron, AR, you should consult with The Owens Agency LLC to find out what options are currently available and help you protect your business interests to prevent losses and gaps in coverage. Finding the right coverage is easy and hassle-free when you work with an agent who knows how to give you the right options.

A resident living in or around the Waldron, AR area who is interested in finding top quality trucking insurance should contact The Owens Agency LLC to find out more about trucking insurance and how it can protect their valuable business investment. 

Trucking Insurance: For Every Load and Every Trip

It really doesn’t matter what you haul, if you run vans or reefers, or if you do long, short, or local runs, insurance isn’t optional and that applies to more than the legal considerations. Of course, having required coverages such as liability and cargo is necessary but there is much more to an insurance policy and provider than getting the legally required trucking insurance minimums.

For many trucking companies, The Owens Agency LLC in Waldron, AR has helped businesses meet those requirements and so much more. There is a big difference in insurance needs, from owner-operator needs to the needs of large trucking operations with many trucks and many loads. Getting the right trucking insurance means getting the right plan and coverage for your trucking business.

If your trucking company deals with hauling dry loads such as corrugated or pallets as cargo, then the value of those loads will be considerably different than hauling refrigerated perishables or even electronics. Beyond the legal aspects are the common-sense reasons to get a policy to protect your business.

The right package can also be a great way to improve and even increase business. Some companies won’t even work with trucking companies that don’t meet their insurance standards. This is another smart reason to consider looking at your trucking insurance policy and how it works for your trucking business.

In addition to all of these required and practical reasons to have the right trucking insurance, it is the peace of mind that can’t be replaced, of knowing your customer’s loads, your trucks, and your drivers are protected.

If you are shopping rates or looking for trucking insurance, The Owens Agency LLC in Waldron, AR trucking companies have discovered, can help. From standard legal requirements to insurance policies tailored to your trucking business needs, let us help you stay safe and insured, for every load and every trip.

What do I need to know about trucking insurance?

Owning a commercial truck in the Waldron, AR area can be a great investment and career path. When you own or work on a truck, you also need to remember that you are driving a very valuable asset and that you are hauling some very valuable materials. When you are looking to own or manage a truck, getting trucking insurance will be a very good investment. There are several things that you need to know about trucking insurance. 

It Can Save Your Business

One important fact to know about trucking insurance is that it could save your business. Trucking companies often rely heavily on the cargo that they are carrying. If your truck is vandalized, stolen, or involved in an accident that damages the cargo, it could be devastating for your trucking business. However, if you have insurance, you will receive coverage for your cargo which could save your organization. 

Likely Required

Trucking insurance is also something that will likely be required for you to carry. One part of trucking insurance is to carry liability insurance. This is the same type of insurance that could be required under state laws for all drivers. Also, if your trucking business has any type of loan from a bank, the lender will undoubtedly require that you have a full trucking insurance policy. This will help to protect their collateral when the loan is outstanding. 

If you would like to learn more about trucking insurance, The Owens Agency LLC is a great place to start. The Owens Agency LLC has been helping people all over the Waldron, AR area choose trucking insurance policies for a long time. They will be able to evaluate your situation and make sure that you get into the right policy that meet your needs.