Commercial Auto and Trucking Insurance

Commercial Auto and Trucking Insurance

At Daniel Fabulic Agency, we provide a full spectrum of personal and commercial auto insurance coverage. If your company owns one or more cars or trucks used for your business operations or you operate a transportation company that uses large trucks or tractor trailers, you require commercial auto or trucking insurance. Our experienced agents are familiar with trucking insurance requirements in Kentucky. Whether you own construction vehicles, or operate a for-hire trucking company, we can find a policy with the coverage you need. Contact Daniel Fabulic Agency to discuss your business’ needs and get a quote for trucking insurance in Louisville, KY.

Protection for all Types of Vehicles

We provide coverage for all types of commercial vehicles and trucks, including

  • Tractor trailers, semi trucks, and 18 wheelers
  • Garbage and recycling trucks
  • Moving trucks
  • Tow trucks
  • Construction trucks
  • Company Cars
  • Vans

Your premium will depend upon which types of vehicles you operate, how many you own, how many employees utilize the vehicles, and your businesses’ safety records. Each company is unique, so ask for a personalized quote today.

Types of Commercial Auto and Trucking Insurance

There are several components that make up a secure workers’ compensation coverage plan. Your auto and trucking insurance should provide financial coverage for your employees, your vehicles and your property and equipment. Your insurance will also protect you financially if your company’s vehicles are responsible for an accident that causes property damage to or injures a non-employee.

Liability Insurance

Commercial liability insurance is designed to protect your business when one of your employees causes an accident. This type of insurance covers medical costs for other parties in the event of an injury and covers the cost of property damage up to your coverage limit. It also pays for legal fees if you are sued by the injured party.

Non-Trucking Liability (Bobtail)

Non- Trucking Liability (Bobtail) auto liability coverage is for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes. This usually occurs when an owner/operator is operating his or her vehicle for mobility only (e.g., on the way home), and not in the course of transporting property for the motor carrier under whose operating authority they haul, and on whose liability policy they depend on while they are engaged in trucking.

Physical Damage

Physical damage insurance covers damage that occurs to your truck or trucks due to an accident or other incident, regardless of fault. Like traditional collision insurance, your trucking physical damage policy will cover repairs to your vehicle after an accident. Additionally, it may provide coverage for other damage to the body of your truck caused by theft, vandalism, hail or fire. Though this type of coverage is usually not required by law, it is a necessity for most business owners who use trucks on a regular basis. Your Daniel Fabulic Agency agent can help you choose a physical damage policy that covers what you need covered.

Cargo Coverage

If your truck is used to transport goods as part of your business, you will require cargo insurance coverage. The level of coverage you require to protect the goods you haul depends on their worth. Cargo coverage can cover damage that occurs to cargo during an accident on the road or due to other incidents. Depending on the cargo you transport, this type of financial protection could save your company thousands of dollars in damaged product.

Keep Your Business Mobile and Flexible

Our team is truly passionate about protecting our customers and helping them thrive. Contact us today for a consultation about your business insurance needs in Louisville, KY. In addition to commercial auto and trucking insurance, Daniel Fabulic Agency can help you with all your other business insurance needs.

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Contact Us

Daniel Fabulic Agency
3933 Bardstown Rd
Ste C
Louisville, KY 40218

(848) 257-9886

SAT by Appointment Only