Here at Network Truck Insurance Services, we want to keep our clients informed and comfortable that they are being taken care of while on the road. And while we do our very best to keep our family of customers safe, it is also the insured responsibility to become familiar with the exclusions and business purpose of their insurance policy.
First, our clients should be familiar with the jobs they intend on taking on that may have special insurance requirements. Some brokers require higher limits of liability than others, some may require General Liability, or some may require special commodities or trailer coverage. Strong communication between our clients, their agents and customer service team will help ensure that our clients are properly covered under any situation.
Not only should our clients be aware of insurance limit requirements when they take on new brokers- but also be aware of the commodities that they are taking and any exclusions that may be on their policy. For instance, shrimp and shellfish are very commonly excluded commodities. If a client were to be unaware of this fact and accept a $90,000 load of frozen shrimp, experience a reefer breakdown mid-trip and lose the load- as an excluded commodity this claim may not be paid. This would leave our clients in a hard spot without proper coverage.
If a customer intends to act as a broker or sub haul loads, this work also requires special insurance coverage. All too often we hear of truckers acting outside of their policy limits and causing great financial strife when they find the work they’ve been doing wasn’t actually covered. Remember- if the job description changed, your insurance requirements may have as well.
If ever you have a question about your policy limits or work needs, our agents and customer service team are standing by to keep you safe and covered on the road.