Breaking Down the Coverage You’ll Need for Your Trailer

One assumption in the trucking industry is that commercial truck insurance plans are one-size-fits-all, covering a laundry list of liabilities for trucking professionals. However, this just isn’t the case. Having trailer coverage added to a plan is a necessity for truckers who want to make sure they’re covered from end to end. But while coverage may be in place already, it’s important to understand the details of it to make sure that the right insurance protection is set.

Commercial Auto Policy

Utility trailers can be used for non-business purposes. If this is the case, then they are covered by a personal auto policy. A utility trailer used for business has to have a commercial auto insurance policy, however. This kind of policy covers the vehicle towing the trailer and extends from the vehicle to the trailer.

The main coverage on a commercial insurance policy is all about liability insurance. This insurance provides financial protection to the owner of he trailer if they cause an accident or they happen to injure someone. From here, the coverage pays the medical bills for the victim as well as legal defense if it gets to that point.

Property Coverage

This kind of coverage pays to repair or replace the utility trailer if it takes on damage in an accident. The coverages are comprehensive and collision, and owners can add these optional add-ons to a commercial or personal auto policy for more fees. The main concern for truck drivers is the health of their trailer, so if the trailer is damaged or stole, the insurance policy will fix it or replace it. There’s a deductible that has to be paid, which is a partial amount of the loss and can vary depending on policy.


That leads us to cost, the big issue trucking professionals may have when considering this kind of insurance. Insurance rates for a utility trailer depend on several factors. The trailer’s make and model, its annual mileage, and primary use will be looked at. There are discounts available for drivers over 25 with a commercial license and for trailers used in safer areas where fewer accidents per year are reported.

Things to Consider

Registration and licensing of a commercial utility trailer are needed in most states, especially if it’s being used on state roads. This means that the driver must show proof of insurance, and can even mean that some trailers must pass a safety inspection to qualify for registration.

Make sure to go over everything with your insurance provider to ensure you are getting the best protection at the best pricing for your needs. Having a trailer insurance package needs to be tailor-fit so you can be safe and protected when driving on the roads.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.