Ensuring your commercial trucks in Louisiana is crucial, whether you operate a small or large fleet.
Navigating the roadways of the Gulf South demands insurance solutions that are prompt, effective, and easy to understand.
American Insurance Brokers stands ready to offer the requisite coverage, regardless of your destination. Here’s an overview of our Louisiana commercial truck insurance offerings.
Why opt for Louisiana commercial truck insurance?
Louisiana boasts two key highways: Interstate 10/12 in the south, connecting Texas to Mississippi, and Interstate 20 in the north.
The high traffic volume on these routes increases the risk of accidents. In 2018, an analysis of Louisiana truck crashes revealed that 8% occurred on interstates, 9% on state highways, and 3% on U.S. highways.
Given these statistics, robust and comprehensive commercial truck insurance in Louisiana becomes essential for businesses, equipping them to tackle potential challenges.
Whether your operations are confined to the state’s borders, covering cities such as Baton Rouge, New Orleans, Shreveport, and more, or extend beyond to neighboring states or nationwide, American Insurance Brokers has you covered.
Coverage details for commercial truck insurance in Louisiana:
Navigating the intricacies of insurance coverage should not be a hassle.
Various factors, such as cargo type and typical routes, influence the insurance you require.
Our Louisiana policies encompass diverse types of commercial truck insurance, including:
- Commercial Auto Liability: Covers injuries or property damage if you’re at fault for an accident, including legal defense costs.
- Physical Damage: Encompasses collision insurance, comprehensive insurance, or fire and theft with combined additional coverage (CAC) insurance to protect your truck.
- Medical Payments Coverage (MedPay): Covers medical expenses for you and passengers, regardless of fault.
- Uninsured Motorist Insurance: Protects against accidents with uninsured or underinsured drivers.
- Trailer Interchange Insurance: Shields trailers under an interchange agreement from damage due to various causes.
- Non-Trucking Liability Insurance: Provides coverage when under permanent lease to a motor carrier and not driving under dispatch.
- Motor Truck Cargo Insurance: Essential for for-hire truckers, covering liability for lost or damaged cargo.
- Motor Truck General Liability: Needed for injuries or property damage unrelated to truck operations.
- On-Hook Towing Insurance: Pays for damage to a non-owned vehicle while towing or hauling.
- Garagekeepers Legal Liability Insurance: Protects businesses offering towing services or operating service stations.
- Workers’ Compensation Insurance: Mandatory coverage for medical costs and lost wages due to workplace injuries.
Count on American Insurance Brokers to tailor the best coverage for your company, ensuring protection in various situations at a competitive price.
What Vehicles Does American Insurance Brokers Cover?
American Insurance Brokers extends coverage to a diverse array of commercial vehicles.
Whether you’re insuring individual drivers or managing an entire fleet of trucks, our team is here to assist you.
While tractor-trailers are among the more common vehicles we insure, our coverage also encompasses:
- Dump trucks
- Straight trucks
- Tow trucks
- Tank trucks
- Box trucks
- Moving trucks
- Flatbed trucks
- Log trucks
If your specific commercial vehicle doesn’t appear on this list, rest assured that we comprehend the unique intricacies of the trucking industry in the Gulf South.
Reach out to us today, and our team will craft a personalized insurance quote tailored to your requirements.
How Commercial Truck Insurance Works in Louisiana
Securing the necessary insurance for both large and small fleets is a straightforward process with American Insurance Brokers.
Our user-friendly system offers free policy reviews, swift issuance of insurance certificates, and a reliable team to guide you every step of the way.
Drawing upon decades of expertise, we assist you in selecting the optimal insurance plan at a competitive rate.
Upon choosing American Insurance Brokers for your coverage, we go the extra mile to ensure you swiftly receive the essential legal documentation required for your operations.
Regulatory Filings
We facilitate the following Louisiana and federal commercial truck insurance filings to streamline regulatory compliance:
- FMCSA: Confirms Federal Motor Carrier Safety Administration registration.
- MCS90: Asserts that the driver’s financial commitment meets the state’s minimum requirements.
- BMC34: Provides cargo liability coverage.
- BMC91-X: Indicates public liability insurance, covering bodily injury, property damage, or environmental restoration.
- Form E: Demonstrates that drivers carry the minimum required insurance for their home state.
- Form H: Confirms that drivers possess the minimum required cargo liability insurance for their home state.
- OS/OW COI: Proves to Louisiana that drivers have ample liability insurance to operate oversize or overweight vehicles.
- SR22: Verifies that drivers have filed the minimum liability insurance with their home state’s motor vehicle department.
Recognizing the diverse requirements of different situations, our team conducts a thorough assessment of your needs to ensure precision.
We collaborate with your team to file the appropriate paperwork, ensuring comprehensive coverage for your company.
Also read:Â Dot Insurance Requirements For Trucks
Annual Policy Review for Commercial Truck Insurance in Louisiana
Ensuring the effectiveness of your commercial truck insurance in Louisiana involves conducting a thorough annual policy review.
This yearly assessment serves as a crucial opportunity to verify that your coverage aligns with your needs while maintaining a reasonable cost.
At American Insurance Brokers, we offer complimentary annual policy reviews for all types of commercial vehicles.
During this comprehensive review, our focus revolves around three key components.
Firstly, we scrutinize your existing deductibles and limits, aiming for a relatively low deductible and a substantially high limit that suits your industry and risk profile.
Next, our dedicated team ensures compliance with all federal and state requirements, emphasizing the regulatory filings discussed earlier.
Your insurance company should consistently update you on policy details, navigating the complexities of various forms.
Lastly, we confirm your alignment with a responsive insurance company. In the event of unforeseen challenges, having a dedicated team striving to reinstate your operations is vital.
American Insurance Brokers collaborates with over 35 “A”-rated truck insurance companies, ensuring not only competitive pricing but also exceptional customer service during trying times.
Your Premier Choice
American Insurance Brokers, with extensive expertise in the southern region, stands as the foremost choice for commercial truck insurance in Louisiana.
Our mission is to secure the best policies at fair prices for our clients.
With a proven track record of reliability and affordability, we prioritize transparency and efficiency throughout the process.
Moreover, our knowledgeable team is committed to guiding you through every aspect of the insurance process. Should any questions arise, feel free to ask; we take pride in delivering prompt and accurate answers.
What distinguishes us is our innate understanding of your needs, the reasons behind them, and the timing of their fulfillment.
Serving Louisiana and neighboring states, we are dedicated to assisting trucking companies in the southern U.S., providing unmatched expertise and support.