At All Your Needs Insurance we have several markets to cover your commercial vehicles. We can secure coverage for owner operators as well as fleets. We specialize in the construction industry and various related business types, but have markets for virtually as business types. Whether you are a single operator electrician or you have a fleet of vehicles for your company, we have many choices for you. Insurance is one of the largest expenses you face today. It is one area that all individuals and companies need to revisit at least annually to make sure their needs are being met. There are various factors that impact insurance costs, such as driving records, age of the driver, age of equipment, commodities hauled, radius, vehicle location, loss history, years in business and the list goes on.

We are committed to you and your business. Quality of service is paramount with us. Our goal is to alleviate the stress of dealing with insurance enough so you can focus on what you do best, which is your business. Even if you are not our client, please don’t hesitate to call one of our agents if you need help understanding your insurance policy or if you have a claim question. We look forward to serving you.

Vehicle types:

• Light Service Use (Electricians, Plumbers, etc)
• Local / Intermediate Trucking
• Dump Trucks – Dump Body Trailer
• Tow Trucks
• Long Haul Truckers
• Agricultural Trucks
• Cement Mixers
• Pumper Trucks
• Car Carriers
• Catering Trucks
• Delivery Vans
• Trailers – Auto Haulers, Dry Freight Trailers, Horse Trailer, Flatbed Trailer

Your truck and transportation insurance gives you property, liability and medical coverage:

• Transportation Liability
  Covers your for third party damages or injury. This coverage is required by federal and / or state regulations. Owner operators may be covered under their employers or may be required to secure their own coverage.
• Physical Damage
  Covers your truck and / or trailer from damage resulting from an accident, fire or theft. The cost depends on the value of your vehicle but is not required by law. Be sure not to over insure your equipment as you will only receive the actual cash value at the time of a loss regardless of what you may have it insured for.
• Truckers General Liability (GL)
  Is what protects you from accidents that may occur while the truck is parked. If you cause bodily injury or property damage to someone or something on your premises or while you are unloading a trailer away from your premises, this will cover you.
• Cargo Coverage
  Protects freight in transit. This covers against damage or loss with certain limitations. Make sure to ask your agent about exclusion that may affect you.
• Non-Trucking Liability
  Sometimes referred to as bobtail or deadhead coverage, protects you when you are not pulling a trailer and are not covered under your own primary liability.
• Non-Owned Trailer Liability
  Covers you while you are pulling a trailer not owned by you
• Terminal Coverage
  Protects freight located at specified terminals in the event of a loss. Typically 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.

Whether you are seeking a free comparative no-obligation quotation or an in depth assessment of a report on your insurance needs, complete the inquiry form, speak to one of our business & commercial insurance experts
1-877-742-0550 / 954-742-0550 or request a free call back today.