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Log Truck Insurance
Commercial insurance for logging trucks
What is log truck insurance?
Log truck insurance is important for any business that operates a log truck or timber lorry. It can cover damage to your truck and its cargo and provide liability coverage for accidents involving other people and property. If you operate on public roads, you'll need to meet minimum FCMSA liability limits for commercial truck insurance by law.
Log trucks usually need specialized coverage because of the unique risks of transporting logs over rough terrain. As the #1 truck insurer in the countryΔ, Progressive Commercial can help you determine the right coverages and limits for your logging truck, whether it's a tractor-trailer, stinger-steered pole trailer, or fixed-length log trailer.
Why do I need logging truck insurance?
Logging trucks are a big investment. They also carry unique risks because of their size and the weight of their cargo. Fortunately, the right timber hauling truck insurance coverage can protect the truck, its operator, your business, and others on the road.
What does log truck insurance cover?
Log truck insurance can be customized with multiple coverages to keep you and others safe if something unexpected occurs. Some commercial auto coverages you may need include:
- Vehicle liability: Log truck liability insurance is required by law and pays for injuries and damage that your truck causes to other people and their property.
- Motor truck general liability: This is an additional coverage that for-hire truckers may be required to carry. Motor truck general liability covers injuries or damage you cause when you're not driving a truck. For example, it would help if you damaged a client's property while loading or unloading logs at their business.
- Motor truck cargo insurance for logs: This coverage minimizes financial loss if something happens to your cargo while it's being hauled.
- Heavy truck roadside assistance: Roadside assistance is breakdown coverage that helps you get back on the road if your truck experiences problems. It includes services like special towing for large trucks.
- Rental reimbursement with downtime: This coverage helps reduce wasted time and lost earnings by covering rental costs and lost income while your rig is being repaired.
Required coverage for log trucks
The minimum requirements for log truck liability insurance are mandated by the FMCSA, but states can have different rules. Check the commercial truck insurance requirements by state to learn more about the laws where you operate.
Business insurance for timber hauling companies
Logging businesses need other types of insurance for their operation. The following common coverages expand protection to your business property and employees:
- General liability (GL) for loggers: GL is not a legal requirement like vehicle liability, but it protects your business when accidents not related to driving the truck cause injuries or property damage to others.
- Workers' comp: Most businesses with employees are required to have workers' compensation coverage for on-the-job injuries and illnesses. Logging can be dangerous, so having the right protections in place for your workers is important.
- Business owners policy (BOP): A BOP combines liability protection with commercial property insurance, which covers your buildings and other business property from theft, damage, and vandalism.
Get a quote for commercial truck insurance today. Our team of experts will help you customize a policy that's right for your business needs.
How much does log truck insurance cost?
The cost of log truck insurance may be more expensive than other kinds of commercial truck coverage because of the industry's unique risks, such as difficult terrain, heavy machinery, and uneven loads. The price you pay for commercial truck insurance for logging trucks depends on many factors, including:
- Type of truck
- Location
- Driving record
- Claims history
- Coverage limits
Whether you get a quote online or over the phone, Progressive Commercial will automatically check for available commercial auto discounts. These can include savings for having a CDL or paying your policy in full. You can also elect to enroll in our Smart Haul® program **, which can save new customers an average of $1,261.
As the #1 truck insurer in AmericaΔ, we can help you find a policy at a price that fits your budget.
Getting the right coverage is important to protect your business. Contact our insurance experts or start a quote for your customized log truck insurance policy today.
