Types of Special Vehicle Commercial Auto and Truck Insurance Policies

When it comes to commercial auto and truck insurance policies, you may think that most vehicles simply fit into a broad general classification. For example, if you are operating any type of truck, then you need commercial truck insurance, and it is that simple and straightforward. Except that’s not really the case. Here, we’ll go over some of the very specific types of commercial vehicle insurance policies that are out there.

All types of specialty vehicles and trucks have their own types of insurance policies. This makes sense, since different vehicles are used in different ways. They face different risks, perform different tasks or services, and operate in different industries. That’s why there really isn’t one generic commercial truck insurance policy, but rather dozens of different types of specialized coverage plans.

So what are some of the specialty truck insurance types you should be familiar with? Starting with big rig trucks or 18-wheelers, different applications like general cargo, long-haul trucking, and commercial movers have different policies, just like owner-operators.

Big rig trucks can also be specialized, for example, if they are refrigerated trucks or involved in the transportation of hazardous materials. Trucking fleet owners with many different drivers and perhaps types of vehicles will also find a different coverage requirement than just one person with one truck.

From there, the world of specialty commercial auto insurance becomes truly vast and diverse. For example, food delivery trucks, food trucks, and ice cream trucks. Then you have limousines and charter buses or vans, along with taxis and ride-sharing vehicles, like Uber. Another classification is companies that operate emergency medical transportation or non-emergency medical transportation.

Special trucks also include specific vehicle classifications such as dump trucks, tow trucks, logging trucks, car transport trucks, garbage trucks, wreckers, and more. Truly, it’s a diverse field and this hasn’t even covered everything.

Don’t forget about regular pickup trucks, vans and cars. With regular cars, if you run a business and use that car for any sort of business function, even a mundane one, you may not have realized it, but you need business auto coverage beyond your personal policy or else you won’t. will be protected.

The point is that you need a specific policy that matches that unique type of vehicle and whatever function you are performing while operating it. Be sure to consult with an experienced insurance professional who can guide you through this process and help you obtain the right policy for any specific need or circumstance.

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