Home insurance policies in Waldron, AR generally cover the destruction and damage to your home interiors and exteriors, theft of personal belongings, and liability arising from harm caused to others. Although a home insurance policy can be customized, the insurance company will want to ascertain the standard elements that are likely to affect your home to determine the insurer’s risk. The insurance company will also assess the risk associated with your residence by analyzing your past claim history and your home condition. To do this, here are a few common questions, The Owens Agency LLC in Waldron AR, will ask, to provide you with a suitable policy.

Common questions you will be asked when buying home insurance in Waldron AR?

What is the proximity of your house to the fire department?

If your house is located close to a highly rated fire department, you will likely pay less to have your home insured. The assumption held is that a home near a fire department is likely to receive immediate help, leading to more minor damage. This argument applies too if your house is located near a hydrant.

What is the age of your home?

While old homes can be quite beautiful, their ornate features, such as plaster walls, floors, and ceilings, tend to be expensive to replace. Plumbing and electrical systems tend to be unsafe and are more likely to get damaged.

Is your house near a source of water?

Standard home insurance policies in Waldron AR do cover flooding. If your home is near a source of water, the insurance company will recommend buying a separate flood insurance policy.

What is the quality of your home construction?

Our insurance company will evaluate if the house meets the current building codes in Waldron AR. Homes built using modern engineering building codes are likely to withstand disaster and cost less to insure.

Whatever your home insurance needs are, The Owens Agency LLC in Waldron, AR, will customize a suitable policy for you. Reach out to our agents or visit our website for more information!

Staying Covered on the Road

Trucking insurance is a necessity that companies need to operate a single truck or many. In general, public liability insurance that has bodily injury and property damage is the minimum amount of insurance an owner operator needs. However, most owner operators and motor carriers require or elect to get additional coverage. Working with a knowledgeable insurance provider is the first step to getting quality coverage.

If you live in Waldron, AR, the experienced agents at The Owens Agency LLC are here to help you find high-quality trucking insurance for you and your company. 

Extended Coverage for Added Protection

Public liability insurance will protect you when they are at fault in an accident, but further coverage is often sought out to maximize protection. Some other types of policies that are commonly used for enhanced coverage are:

• Cargo Insurance – This type of insurance covers the cargo that is hauled for damages. It is required by for-hire interstate owner-operators to do business.
• Physical Damage – If a truck is financed, this kind of insurance will protect your rig from accidents on the road. It is useful even if a tractor and trailer is owned outright.
• Bobtail – If you are employed under the authority of a motor carrier, you will need bobtail insurance. Owner-operators who have auto liability insurance are not required to get this type of coverage.

Quality Commercial Insurance in AR

Our team at The Owens Agency LLC in Waldron, AR has years of experience helping companies get the right kind of trucking insurance for safe operations. We will work with you to tailor the perfect trucking insurance policy so you can rest assured you and your assets are protected.

If you want to become an owner-operator or offer trucking services, you have to consider trucking insurance. Your trucking insurance will depend on the type of truck, the kinds of goods carried, the experience of your driver and the level of risk involved.

Unsure where to start with trucking insurance? The Owens Agency LLC in Waldron, AR has a guide on different trucking coverages you can consider.

• Primary liability coverage: This coverage is mandatory in Arizona. It protects you against bodily injuries and property damage your truck causes to other people.
• General liability: If your truck causes damages to another person’s property, this coverage comes to your rescue. For instance, if your truck damages a truck stop or delivery location, this coverage comes into play. It also covers delivery errors.
• Physical damage: It has cost you money and time to finance your truck. As such, you need to protect your truck against perils like theft, accidents, vandalism, and natural disasters. Trucking insurance compensates you for repairs and even replacement of your truck following damage by a covered risk.
• Motor truck cargo: This coverage covers the contents of your truck should it become stolen or damaged.
• Bobtail / non-trucking liability: It covers you when your driver is using your truck for personal reasons or is off dispatch.
• Medical payments: It covers the medical expenses of the driver and passengers following an accident.
• Uninsured/underinsured: This coverage protects your truck should it collide with a motorist carrying insufficient or zero insurance.
• Reefer breakdown coverage: If you own refrigerated trucks, this coverage protects you against lost cargo, refrigerator breakdown, damaged cargo, and so on.

Trucking Insurance in Waldron, AR

If you want to cushion yourself financially from costly bills should any of your truck is involved in an accident, you must invest in trucking insurance. Ready for trucking insurance? Get in touch with The Owens Agency LLC for an affordable quote.

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.

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. 

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.

 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.

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. 

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.

Cargo

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.

Drivers

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.

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.