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Commercial Trucking Insurance in Kansas

Commercial Trucking Insurance in Kansas

Kansas Truck Driver covered with quality Trucking Insurance

Kansas

Trucking Insurance Services is one of the most respected and knowledgeable truck insurance agencies in the United States. We write all lines of truck insurance including auto liability for all trucking companies, ranging from owner operator to semi truck fleets. Our truck insurance agents are experts in writing new venture truck insurance, dump truck insurance, auto hauling insurance, tow truck insurance, intermodal insurance, log truck insurance, and commercial auto insurance.

Trucking Insurance Services is licensed in 45 states including Kansas. We have proudly written Kansas truck insurance for over 15 years. Our A-rated truck insurance carriers offer high quality coverage with low down payments and affordable monthly installments. Cheap truck insurance with high quality coverage is our goal.

Call 855-281-2924 for Kansas Truck Insurance
 


Get Covered with Kansas Trucking Insurance

Commercial truck operation comes with risks and hazards that require comprehensive insurance coverage. Insurance is regulated at the state-level. Knowing which insurance coverage is necessary is the first step. Recommended coverage for truck insurance in KS:

  • Auto Liability – Commercial Auto Liability is a critical component of your trucking insurance policy. This coverage protects you if you’re found liable for bodily injury or property damage while operating an insured truck. For example, let’s pretend you are merging on I-35 in Wichita and sideswipe a car. Your semi truck left a bright red scratch on the passenger car’s door. Without auto liability insurance, you would be on the hook for the damages. However, when you purchase auto liability insurance, your insurance company will take care of damages caused by the collision. Let’s say you are driving through Overland Park and collide with a parked car with a passenger inside. In addition to property damage, your auto liability coverage will pay for bodily injury – medical bills, an ambulance ride, and visit to the emergency room – for the injured passenger. Kansas requires auto liability coverage to operate legally on the road.
  • Physical Damage – This coverage protects your insured semi truck and trailer for collision and other-than-collision incidents. Let’s say your truck is parked in a secure lot near Olathe with a fence and security cameras, but a thief manages to steal it overnight. Without physical damage coverage, you’d be out a truck and potentially be on the hook for that truck note. Purchasing physical damage is how you can protect your most important asset – your truck – from damages or theft beyond your control. Alternatively, let’s say you rear-end a trailer while waiting to get loaded and your truck is damaged. Your physical damage coverage will pay to fix your truck and keep your wheels rolling. Repairs are expensive! Talking to your truck insurance agent about covering your truck and your trailer is important.
  • Motor Truck Cargo – Imagine this: You are taking a load from an e-commerce fulfilment center in Overland Park to a warehouse in Lawrence when suddenly you hit debris on the interstate! During the impact, those electronics in your trailer are banged up and deemed inoperable. Your cargo insurance will swoop in to pay for the damaged electronics so you don’t have to pay it yourself. Cargo is there for you when the unimaginable happens. The surest way to lose a client is to leave damages to their products unpaid. Cargo not only protects your wallet, but also your important business relationships.
  • Reefer Breakdown – If you haul refrigerated loads, reefer breakdown coverage is a must! This coverage provides protection for loss of refrigerated cargo caused by a change in temperature because your refrigeration unit has an accidental breakdown. For example, you are hauling frozen seafood out of Olathe headed for Topeka. When you reach the receiver, you notice the reefer unit isn’t working and your entire load is spoiled! Reefer breakdown fills the gap. This coverage will replace the spoiled cargo, pay your customer for damaged goods, and save your business partnership. Don’t forget to ask your agent how you can protect your refrigerated cargo.
  • Trailer Interchange and Non Owned Trailer – This coverage is a must if you use other people’s trailers to haul freight. Let’s say you pick up a fully loaded trailer and drive it across the state. You’re halfway across the state when a deer runs into the side of the non owned trailer! Non owned trailer physical damage will pay to repair the non owned trailer for damages that occurred while it was attached to your semi truck. Alternatively, you may work for a company that provides a written trailer interchange agreement and their trailer is damaged while in the course of operation for your business. Not to fear! Trailer Interchange is here! Your agent will match you with the correct coverage for your business operation. But, if you’re using a trailer owned by someone else, make sure to mention it.
  • Non-Trucking Liability – Being an owner-operator comes with a unique set of risk. You finished a delivery for the company you lease to and are no longer under dispatch. You decide to drive your truck to a grocery store to pick up some items for personal use on your way home. If you’re involved in an accident while driving to the grocery store, who pays for the damages? Non-trucking liability (NTL) is designed to protect owner-operators when they are using their semi trucks for personal reasons, such as commuting to and or from a terminal or operating the truck for non-business activity. Your agent will ask for a copy of your owner-operator lease agreement before binding coverage. Based on how that lease agreement is written, coverage may or may not apply in certain situations. Understanding your lease agreement is key.
  • General Liability – Commercial General Liability covers your business for property damage and bodily injury that occurs in the course of business, but does not involve the truck. Confused? Don’t worry, we’ll explain. For example, you deliver a dishwasher in your box truck to a customer’s home in Manhattan and install it for them. As you roll in the dishwasher, you trip and fall straight through their wall. Your general liability policy will pay the homeowner to repair their wall and any property damages associated with the fall. Don’t wait until an accident happens to protect your business from an accident.

Discover the Trucking Insurance Services Advantage

When you purchase a policy with Trucking Insurance Services, you’re getting more than an experienced truck insurance agent, you are getting a business partner that will help you see around the corner. We are a family-owned business with decades in trucking. We aren’t in the insurance industry, we are in trucking.

Certificates At The Speed of Light

We know how important it is to send certificates of insurance to your brokers in a timely manner. Our team of dedicated certificate processing agents will have your certificate of insurance out the door within minutes. Need special verbiage or additional coverage? An agent will quickly update your policy and issue your certificate.

We Know Filings

We get it. Filings are complex. And knowing who needs what filing can make your head spin. Don’t worry, our team of truck insurance experts will arrange to have your filings issued. Are you a new venture trying to activate your ICC/MC number? A member of our team will walk you through the process.

Covering Truckers All Across The United States

Our licensed agents can cover your friends all across the United States including ColoradoMissouriNebraska, and Oklahoma!

Overland Park|Topeka|Wichita|Lawrence

 

Get your truck insurance quote now
855-281-2924

 

Truck Insurance We Offer
Amazon relay insurance ICC insurance
Auto hauler insurance Intermodal insurance 
Auto liability Log truck insurance
Bobtail insurance Motor carrier insurance
Box truck insurance New venture insurance
Car carrier insurance Non trucking insurance
Cargo insurance Physical damage insurance
Container insurance Reefer insurance
Courier insurance Tow truck insurance
Dump truck insurance Trailer interchange insurance
Flatbed insurance Truck insurance
Garagekeepers insurance UIIA insurance

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.