This isn't just any truck insurance. It's designed specifically for your kind of work:
- Physical Damage Coverage: Protects your actual truck from accidents, theft, or natural events. If your truck gets damaged, this helps pay for repairs or replacement.
- Liability Coverage: This is key. It covers costs if you cause an accident that hurts other people or damages their property while operating your truck.
- Cargo Coverage: Super important for beaver tails! This covers the items you're hauling – whether it's a customer's car, construction equipment, or another valuable load – against damage, theft, or loss.
- Uninsured/Underinsured Motorist: Helps cover your costs if you're hit by another driver who doesn't have enough (or any) insurance.
- Downtime/Business Interruption: Some policies can even help cover lost income if your truck is out of commission after an accident.