(305) 884-8884
KEEPING YOU SAFE ON THE ROAD.
Four Points Insurance specializes in Commercial Truck Insurance for the State of Florida. Our knowledge in insurance helps us provide you with the best rates in the market. We offer complete coverage for truckers, most of all, we understand your business needs as an owner-operator.
Truck Liability
Whether you drive tractor trailers, box trucks, flatbeds, or anything in between, if you depend on your truck to drive your business, we can help you protect your business.​
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Like many auto insurance policies, commercial truck insurance comes with several types of coverage, each of which is specifically designed to protect your business and your personal assets from catastrophic loss.
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Physical Damage Coverage
This coverage includes both collision coverage to pay for damage from a crash as well as comprehensive coverage to pay for damage from theft, vandalism and "other than collision” causes. Uninsured/underinsurance motorists coverage: Covers the costs of injuries and damages if you or one of your employees is in an accident where another driver is at fault, but that driver does not have adequate coverage to pay for your injuries and property.
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Truck Cargo
Coverage
Covers damage or theft of items your truck is hauling.
Federal law does not require you to have cargo insurance. The owner of the goods you are hauling may require the coverage. The company you are hauling for will let you know the cargo coverage limit they require.
We highly recommend you carry cargo insurance in order to protect your goods in case of an accident.
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Truck Liability
In order to legally operate a commercial truck, you must have primary truck liability coverage. Every truck driver operating on the highway in the United States is required to carry some form of primary truck liability insurance.
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What limits of liability should I choose?
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Federal Motor Carrier requires $300,000 if under 10,000 lbs, $750,000 if over 10,000lbs and the Federal Government requires $750,000. Most shippers require $1,000,000 limit to have a contract with them. Auto haulers, household good movers and Hazmat haulers require higher limits.
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Bodily Injury Liability
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Provides coverage in the event a covered vehicle causes injury or death to another person and the insured is considered at-fault for the accident. It covers expenses related to medical costs, lost wages, sickness, death and pain and suffering for an injured third party. It also covers legal defense costs related to claims against covered damages.
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Property Damage Liability
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Provides coverage in the event a covered vehicle causes damage to any property and the insured is considered at-fault for the accident. It also covers legal defense costs related to claims against covered damages.
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Uninsured and Under-insured Motorists Insurance
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Provides coverage for damages which an insured is legally entitled to recover from another party who is considered at-fault for an accident, but is uninsured or under-insured for the level of damages.
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Personal Injury Protection
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An extension of car insurance available in some states which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those “no-fault” laws.
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Medical Payment Insurance
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Provides coverage for certain medical and funeral expenses for all those occupying a covered vehicle involved in an accident regardless of who is at fault.
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Non-Trucking Liability Insurance
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Pays for an accident when the driver/truck is not under dispatch. The coverage is sometimes referred to as deadhead coverage or bobtail liability.
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Non-Owned Trailer Liability Coverage
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Protects the trailer you are pulling for someone else.
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Hired Auto Liability
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Covers the liability arising from use of rented or borrowed vehicles.
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Physical Damage Coverage
This coverage is to protect your investment on your equipment. It is only required if you have financed your equipment.
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How much coverage do I need?
The bank you finance the unit will require certain value for financing. Or if you own the unit, you need to do some research on what is the current replacement value of the unit and re-evaluate each year you are in business. Since equipment can depreciate, you don’t want to over insure.
*Our agency highly recommends this coverage to protect your investment so you can keep on trucking. With no truck you are out of business.
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Collision Insurance
Provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn. Collision must be written with Comprehensive or Fire and Theft with Combined Additional Coverage’s.
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Comprehensive Insurance
Provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision. This includes damaged due to fire, theft, vandalism, windstorm or contact with an animal.
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Combined Deductible Coverage
Allows you to pay one deductible that covers the truck, the trailer, and the cargo, instead of paying separate deductibles for each.
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Trailer-Interchange
Coverage protects a non-owned trailer you are pulling when there is an interchange agreement in force for physical damage.
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Non-Owned Trailer Physical Damage
Coverage insures the trailer you are pulling for someone else in the event of loss. $20,000 is somewhat standard for trailers.
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GAP Insurance
Will pay the difference between the actual cash value of the vehicle and the current outstanding balance on your loan or lease.
Personal Property Insurance
Provides protection of personal property carried in your truck that is not covered under any other insurance policy.
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Diminishing Deductibles
Programs offered by some insurance carriers that through a number of different means, the insurance carrier agrees to reduce the collision deductible of your vehicle for your next claim by a pre-determined dollar amount at certain intervals throughout your policy period.
Truck Cargo
Coverage
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Covers damage or theft of items your truck is hauling. Federal law does not require you to have cargo insurance. The owner of the goods you are hauling may require the coverage. The company you are hauling for will let you know the cargo coverage limit they require. We highly recommend you carry cargo insurance in order to protect your goods in case of an accident.
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Motor Truck Cargo Insurance
Provides Insurance for the commodity hauled by a For-hire trucker.
It covers your liability for the cargo that is damaged or loss due to an accident while the goods are in your custody. You select your limit for Motor Truck Cargo with a deductible. The limit would be the maximum amount of coverage that would be paid minus your deductible you choose. As with any coverage form, the motor truck cargo policy form varies with different insurance companies. It is always a good idea to review the form to know what would be paid in regards to debris removal, coinsurance clause, earned freight coverages.
Contingent Cargo Insurance
Legal Liability provides coverage when a trucker’s primary motor truck cargo policy fails to assume the responsibility for cargo loss or damage. This type of policy is designed to protect a transportation broker or freight forwarder against the liability assumed when making arrangements to move cargo for others.
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Terminal Coverage
Protects freight located at specified terminals in the event of loss. Usually there are time limitations related to this coverage. For example: 72 hours maximum per specified load. If the goods are stored longer than the terminal time you would most likely want to purchase Warehouse Legal coverage. This amount of coverage is dependent on the total amount of goods stored/docked/off-loaded at any one time.
Warehouse Legal Coverage
Protects goods stored at specified locations in the event of loss. For example as relates to theft, fire, sprinkler damage. This amount of coverage is dependent on the total amount of goods stored at the location at any one time.
Provides Insurance for the commodity hauled by a For-hire trucker.
It covers your liability for the cargo that is damaged or loss due to an accident while the goods are in your custody. You select your limit for Motor Truck Cargo with a deductible. The limit would be the maximum amount of coverage that would be paid minus your deductible you choose. As with any coverage form, the motor truck cargo policy form varies with different insurance companies. It is always a good idea to review the form to know what would be paid in regards to debris removal, coinsurance clause, earned freight coverages.
Contingent Cargo Insurance
Legal Liability provides coverage when a trucker’s primary motor truck cargo policy fails to assume the responsibility for cargo loss or damage. This type of policy is designed to protect a transportation broker or freight forwarder against the liability assumed when making arrangements to move cargo for others.
Trucker's Occupational Accident Insurance
If a driver is injured while driving their semi or other work-related incidents, this coverage can help pay the cost of medical treatment, prescriptions and even disability payments and benefits for accidental death.
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REASONS OCCUPATIONAL ACCIDENT INSURANCE SHOULD BE A PART OF YOUR COMPANY’S RISK MANAGEMENT PROGRAM
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Employers are required to provide workers’ comp to their full-time employees, but not to their contract workers. Despite this, employers are able to help independent contractors protect themselves and their families financially in the event of workplace injuries or death. This is where Occupational Accident (OCC/ACC) comes into play!
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Occupational Accident covers independent truckers who are injured or killed while on the job.
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OCC/ACC is NOT workers’ compensation. But it does provide similar financial protections. If you’re an owner/operator working as an independent contractor, you will not be covered under a company’s workers’ compensation policy.
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Employers in some states can opt out of providing workers’ comp, but employees and contractors can still sue an employer for injuries or death.
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A company can require their independent contractors to purchase OCC/ ACC. Companies may also specify their OCC/ACC limits, whereas workers’ comp provides statutory limits. Companies are able to select how much OCC/ACC coverage they are willing to provide their contractors.
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f you’re an independent contractor and you are injured on the job, OCC/ACC can help cover your medical expenses or disability leave. There are death benefits as well.
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OCC/ACC can provide coverage in cases of accidental death, dismemberment, paralysis, and other disability or medical expenses as the result of an accident on the job.
We've Got
You Covered
​We offer specialized truck insurance for most types of trucks with coverage designed for professional truck drivers like you:
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Box trucks, Semi trucks, Flatbed trucks, Front loaders, Tank trucks, Tractors, Dump trucks, Auto hauler trailers, Garbage trucks, Pickup trucks, Flatbed trailers, and many more.
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We've got you covered! Contact us to get started on your free personalized quote! With so many insurance companies to choose from, it can be difficult to choose the right policy. We will help you pick that right policy.
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