Arizona has miles and miles of the open road that many truckers travel along during the course of their day. The scenic routes are relaxing, and afford truck drivers the ability to see the open country. For many owner-operators, this is a dream come true. They get to travel and make money at the same time.
As business owners, owner-operators may not think twice about the type of insurance they have for their trucks. They may simply call to get a quote before getting on the road, and take the cheapest plan offered to them; however, this may leave their business exposed. If you are an owner-operator, consider the following to make sure your business is protected while you are driving through Arizona.
Owner-operators must have comprehensive coverage to ensure their business is protected. Without it, the driver could be sued and have to cover the costs of the lawsuit from his/her profits. General liability provides owner-operators the insurance coverage they need beyond basic liability. With this insurance, drivers are covered for injury and property damage. Many owner-operators can get limits in the millions to ensure they have enough auto insurance if they are found liable in a lawsuit.
When you are hauling millions in property for your clients, you want to make sure it gets to the right destination in the same physical condition as it was when it left your client’s care. Unfortunately, this cannot happen all the time, and drivers are held responsible. With cargo insurance, your insurance company will help you cover the costs of hauling cargo, whether you are driving locally or across the country.
As an owner-operator, you are a business owner. If you want to continue the lifestyle you have grown to love, you should ensure that you have the right insurance coverage on all of your policies. You should also check with our professional insurance agents to see if there are any other types of insurance available to safeguard your business.