Business Details
Commercial Truck Insurance Solutions
Colonial Trucking Insurance offers a comprehensive range of truck insurance solutions tailored for owner-operators and fleets. With decades of industry experience, we specialize in lowering clients' total cost of risk while ensuring compliance and enhanced coverage. Our team of licensed agents provides personalized service, supported by A-rated insurance companies, to meet the unique needs of commercial trucking operations. Client testimonials highlight our commitment to superior service, competitive pricing, and efficient claims handling.We pride ourselves on understanding complex coverage requirements and delivering customized policies that protect against liabilities, cargo damage, physical damage, and occupational accidents. Our value-added services include complimentary DOT safety programs, 24/7 access to certificates of insurance, and profit-sharing physical damage policies. Through strategic partnerships and industry expertise, we help clients navigate regulatory challenges while maintaining financial security.
Services
Trucking Liability
Motor Truck Cargo
Non-Trucking Liability
Physical Damage
Occupational Accident
Workers Compensation
General Liability
Broker Bonds
Hazmat Coverage
Car Carrier Insurance
Highlights and features
- We offer A-rated insurance company partnerships for reliable coverage
- Our team provides 24/7 access to certificate of insurance documents
- We implement profit-sharing physical damage policies for client benefits
- Our specialists understand complex fleet insurance requirements
- We provide complimentary DOT safety programs for regulatory compliance
What people say
Superior service
Professional and courteous
Outstanding service
Quick responses
Better service
Services
Trucking Liability
Primary liability insurance protects against third-party bodily injury and property damage claims. Required by federal agencies with minimum $750,000 coverage, we recommend higher limits up to $5,000,000 for hazmat haulers. This essential coverage ensures legal compliance while protecting your business from catastrophic financial losses due to accidents.
Motor Truck Cargo
Cargo insurance covers legal liability for damaged or lost freight during transport. Available from $25,000 to $5,000,000 limits, it protects against financial responsibility for client goods. Optional endorsements include refrigeration breakdown, earned freight replacement, and sue-and-labor coverage to prevent further cargo loss during incidents.
Physical Damage
Physical damage insurance protects commercial vehicles against collision, fire, theft, and vandalism. Options include comprehensive, collision, or fire/theft with CAC coverage. Policies cover repair/replacement costs while excluding cargo and personal items. Deductibles and stated value amounts are customized based on vehicle condition and equipment.
Occupational Accident
Occupational accident insurance provides benefits for work-related injuries to owner-operators. Coverage includes medical expenses up to $1,000,000, disability income for 104 weeks, and accidental death benefits. Contingent liability protection is available for fleets with 10+ units, safeguarding motor carriers against employee status claims by injured contractors.
Non-Trucking Liability
Non-trucking liability covers legal responsibility during personal vehicle use when not under dispatch. Essential for leased owner-operators, this insurance fills coverage gaps between loads and protects against third-party claims during non-business operations. Distinguished from bobtail coverage by specific personal use provisions in lease agreements.
Questions
What types of truck insurance do you specialize in?
We specialize in all commercial trucking coverages including liability, physical damage, cargo, occupational accident, and non-trucking liability insurance for fleets and owner-operators.
Do you offer coverage for hazmat transporters?
Yes, we provide specialized hazmat truck insurance with coverage limits up to $5,000,000 to meet federal requirements for hazardous materials transporters.
How quickly can I get proof of insurance?
Our clients have 24/7 online access to certificate of insurance documents for immediate verification needs.
What payment options are available?
We offer flexible payment plans and financing options for qualifying commercial truck insurance policies.
Do you insure new trucking companies?
Yes, we work with both established fleets and new trucking operations to develop appropriate risk management solutions.
How do claims get processed?
Our claims specialists provide professional handling with documented cases resolved in as little as 9 days through our streamlined claims process.
