Trucking insurance is necessary to haul cargo, so it’s important to learn whether you need to obtain a policy before you hit the road. Getting caught without proper coverage can lead to fines, losing your license, and more. In some states, you may wind up not being able to drive a truck again. 

Are You An Independent Operator?

Whether you are technically employed by a trucking company or not will help determine who pays for coverage. Some people are independent owners or operators, but they use a company to help them get jobs. If you’re self-employed or a sole proprietor, this is likely your situation. In this case, you need to speak with an agent here at Zot Insurance Agency to get your own policy. 

On the other hand, you don’t usually need your own policy if you’re employed by a company that handles everything for you. In some situations, high-risk drivers in Plantation, FL may be required to pay for their own policy because the company doesn’t want to pay for the higher cost of coverage. Some may have a policy that drivers carry their own policy for things like personal belongings in the truck. Speak with your human resources department to make sure you know whether you need your own coverage. 

Are You Leasing The Truck?

Most people lease a truck or two when they decide to start their own fleet. This is a great way to get your feet wet in the business and slowly start to build up your business. However, you may need to abide by different rules to comply with what your lease says. Most companies that lease trucks require full coverage policies and want higher trucking insurance limits to protect their asset. 

Agents here at Zot Insurance Agency can help you learn more about the type of coverage you need. Contact us today. We’re currently serving the Plantation, FL area.