When it comes to trucking insurance in California, there are two kinds of trucking insurance. There is for-hire trucking insurance and not-for-hire trucking insurance. Each kind of insurance has its own types of coverages.
If you have or drive a truck in Cathedral City, CA, Dynamic General Insurance Services can help you get the right trucking insurance policy for your needs.
For-Hire Trucking Insurance
For-hire trucking insurance refers to coverage for trucks and drivers that are hired to carry goods for someone else. This includes anything that is carried as general freight. There are certain coverages for specific types of freight, but there are some general logistics to this kind of insurance.
This kind of insurance is typically more involved than not-for-hire truck insurance. For this insurance, you also need a Department of Transportation (DOT) number as well as a Motor Carrier (MC) number.
This insurance will cover property and physical damage up to a certain amount, as well as liabilities for non-trucking liability, non-owned vehicle, medical, uninsured motorist, umbrella coverage, and in some cases pollution buyback.
Not-For-Hire Trucking Insurance
Not-for-hire trucking is related to truck driving that you may engage in on your own. This may be a farm truck that you use to haul your own goods, use on your own property personally or trucks that you use commercially for any business.
This kind of trucking insurance is very similar to auto insurance, as it is your privately owned vehicle. In this insurance, you get bodily injury coverage, property damage, and physical damage coverage such as collision coverage and comprehensive coverage.
Get a Quote
When you are looking for trucking insurance in Cathedral City, CA, we want you to have the right policy and the right amount of coverage. Contact Dynamic General Insurance Services for a quote on trucking insurance today.