Commercial Truck Insurance North Carolina

We Make Commercial Truck insurance in NC Easier

North Carolina is packed with big trucks carrying some type of cargo down the highways. Businesses can move goods and sell them around the country thanks to these trucks. If you are a truck owner, you already know how important it is to have the right coverage to protect your most valuable assets.

Let’s say you are on the road, and the streets become incredibly icy. Unfortunately, this makes it hard for your truck to stop, and you end up damaging a few cars. One of them could even have passengers inside. With commercial truck insurance in NC, your business can avoid huge risks. 

So what is commercial truck insurance in North Carolina? Trucking insurance in NC is important because it combines commercial and auto insurance perfectly. It includes several types of coverages that can protect you in many situations that truck drivers and business owners face during business. 

In this article, we will talk about the benefits of having commercial truck insurance in North Carolina, how much it costs, who needs to have it, and in what cities you can purchase it in North Carolina. We will also discuss the coverage, some real examples, and more. 

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What Is Commercial Truck Insurance, North Carolina? 

Carolina truck insurance is a group of specific auto insurance policies designed to meet the needs of your trucking business. In most cases, collision and comprehensive coverage cover most damages in the event of an accident. 

How Does Commercial Truck Insurance in North Carolina Work?

Commercial truck insurance in North Carolina covers various risks, such as bodily injuries and medical expenses for injured passengers. Furthermore, commercial truck insurance covers legal defenses to protect business owners against third-party claims. 

Read more: The Ultimate Guide to Commercial Truck Insurance

What Does Commercial Truck Insurance in North Carolina Cover?

Commercial truck insurance in NC includes several types of policies, including:

Primary Liability Coverage

Primary liability insurance is required for commercial trucks. It covers bodily injuries and property damages your truck caused to other people or property. 

General Liability Coverage

General liability insurance covers various risks, such as:

  • Making wrong deliveries
  • Clients slipping and falling on your premises
  • Lawsuits

Physical Damage Insurance

Physical damage insurance covers your truck in case it gets damaged. The policy consists of collision and comprehensive parts:

  • Collision: Covers damages to your truck in case it collides with another vehicle.
  • Comprehensive: Covers other risks such as fire, theft, and vandalism.

Motor Truck Cargo Insurance

Motor truck cargo insurance covers many different perils, including:

  • Stolen cargo
  • Water leaks that damaged the cargo
  • Failures to deliver the cargo

Bobtail Insurance

Bobtail insurance covers property damages and other types of injuries that you may have caused while the trailer was detached from your truck. 

Non-Trucking Liability Insurance

Non-trucking liability insurance covers property damages and injuries you caused while the truck wasn’t used for business purposes. 

Trailer Interchange Insurance

Trailer interchange insurance covers trailers from theft, fire, wrecks, vandalism, and other types of physical damage. 

Uninsured Motorist Insurance

Uninsured motorist insurance covers damages to your trucks caused by another vehicle that doesn’t have enough or any insurance to cover these damages. 

Workers Compensation Insurance

Workers Comp insurance covers truck drivers if they get injured while working.

Umbrella Insurance

Umbrella insurance covers gaps between your insurance policies and increases your liability limits. 

Who Needs Commercial Truck Insurance in NC?

Typically, commercial truck insurance is essential for these businesses:

  • Owner operators
  • Freight companies
  • Contractors
  • Construction companies
  • Car haulers 
  • Garbage service companies
  • Long haul truckers
  • Local truckers

Who Pays for Commercial Truck Insurance North Carolina?

The truck driver who drives the cargo needs commercial truck insurance covering bodily injuries and other people’s property damages. Furthermore, cargo insurance covers the damages or loss of the cargo. 

How Much Does Commercial Truck Insurance in North Carolina Cost?

The cost of commercial truck insurance in North Carolina is $11,049 per year or $920 per month. On average, most premiums range from $8,739 to $11,409. 

Several factors impact the cost, including:

  • Type of cargo you are hauling
  • Your driving history
  • Years in business

How to Lower the Costs of Commercial Truck Insurance Premium

There are several ways to lower the costs of your North Carolina truck insurance, including:

  • Hire experienced drivers
  • Hire drivers with a clean history
  • Map out trucking routes
  • Drive newer trucks
  • Consider higher deductibles

A Real Example of Commercial Truck Insurance Cost in North Carolina

One of the best ways to choose the right commercial truck insurance is to shop around and ask for quotes. Here is one example of commercial truck insurance in NC:

Commercial Truck Insurance North Carolina Requirements

According to NC law, local truck drivers and new ventures must have a certain amount of liability insurance. The type of cargo determines this amount and the location you are transporting it to. 

If you never go out of state, and your truck is over 10,000 GVW, you need to obtain an intrastate-only USDOT number.

Types Of Commercial Trucks We Can Insure in North Carolina

At East Insurance Group, we can get you commercial truck insurance for the following types of trucks: 

  • Hazmar
  • Hot Shot
  • LTL
  • Car Carrier
  • New Driver
  • Intermodal
  • Reefer
  • Flat Bed
  • Livestock
  • Logging

Why Choose East Insurance Group

When you contact one of East Insurance Group’s agents, we are ready to help you by providing you with all the necessary information and crafting an offer designed according to your specific needs. You can give us a call, fill out our contact form or even text us – either way, it all goes directly to us, no waiting.

We offer insurance policies in many cities in NC, including:

  • Trucking insurance in Greensboro, NC
  • Commercial truck insurance in Charlotte, NC
  • Raleigh
  • Durham
  • Greenville
  • Gastonia
  • Wilson

North Carolina Truck Insurance Filings

East Insurance Group also offers NC state and federal insurance filings, including:

  • ICC
  • MCS90
  • Form E
  • Form H

Useful North Carolina Trucking Resources

Are you still confused about commercial truck insurance in North Carolina, or do you need some help getting a quote for your business? Contact us today and get all the information you need fast and for free!