Think of it as a safety net for your logging operation. Here's what it typically includes:
- Your Truck: If your log truck gets into an accident, stolen, or damaged (like by fire), this insurance helps pay for repairs or replacement. This is crucial because log trucks are expensive!
- Other People and Their Property: If you accidentally cause damage to another vehicle, property, or injure someone, your insurance steps in to cover those costs. This is called 'liability coverage' and it's usually required by law.
- Your Cargo (The Logs!): Logs are valuable. If your timber gets damaged, lost, or stolen during transport, this part of your insurance helps cover the value.
- Non-Owned Trailer Coverage: Sometimes you use trailers you don't own. This covers damage to those too.
- Equipment on Your Truck: Cranes, loaders, and other tools attached to your truck can also be covered.