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Many types of companies use flat bed tucks to take care of a variety of business needs. Flat bed trucks are frequently used by mechanics to transport broken vehicles, by construction companies and heavy equipment contractors to haul machinery, and by retail outlets that deliver farm or yard equipment, large furniture and appliances, or building supplies.

Regardless of why your company uses flat bed trucks, you are at risk of suffering from heavy financial losses if that truck is involved in an auto accident. You’ve invested a lot of time and money building your business and buying your company trucks. Be sure to protect them as fully as possible by purchasing the right types of commercial auto insurance. Here are the most important types of business insurance you should carry on your flat bed trucks:

Liability InsuranceLiability insurance is required by law in most states so that other people are protected from loss when the driver of your flat bed truck causes an accident. Liability insurance pays for other people’s medical expenses or property damages when you are at fault in an auto accident. The amount of money your liability policy pays to other people for damages they incur depends upon how you structure your liability policy. At a minimum, your policy will provide for bodily injury expenses and property damage expenses.

Liability insurance pays up to a set limit based on how your policy is structured. Some policies are configured with a maximum payout amount for all injuries or damages combined in one accident. These are called single claim limit policies. Other policies pay a maximum per person, maximum for all persons injured, and a maximum for property damages separately. These are split claim limit policies, and generally have three number designated like so: $50,000/$150,000/$30,000. The first number indicates the maximum your policy will pay for an individual person’s bodily injuries. The second number is the maximum available for all bodily injuries combined. The third number indicates the maximum payout available for property damages. All numbers are on a per accident basis.

Your company will also be required to pay an insurance deductible when making an insurance claim. A deductible is an initial amount of damages that your company pays out of pocket. When the cost of damages or injuries does not exceed your deductible, the insurance company does not need to pay anything.

Medical PaymentsMedical payments coverage is designed to protect the driver of your flat bed truck and any passengers that may be on board at the time of an accident. Regardless of who is at fault for an auto accident, medical payments insurance will pay the medical bills and related medical expenses for your driver and all of the truck’s passengers. This coverage is not available in all areas however, so be sure to contact one of our licensed representatives so that we can help you determine the availability and appropriateness of this coverage for your company.

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Physical Damage InsurancePhysical damages insurance is designed to protect your flat bed truck itself. Without this coverage, if your truck is damaged in any way then your company must pay for repairs out of pocket. When you carry physical damages protection however, almost all potential hazards can be prepared for and protected from. This insurance is particularly useful for companies and independent professionals who lease their flat bed trucks, or who are still paying off the auto loan for it.

Uninsured or Underinsured Motorist - Most areas of the United States require all vehicles to be protected by basic liability insurance. Not everyone complies with that law however. Some drivers carry basic levels of liability insurance, but those levels are not nearly enough to cover the full cost of repairs for the damages they caused. When another driver causes an accident with your flat bed truck and is not insured, your company has to pay for the repairs instead. When the driver does not carry enough insurance, your company may also have to pay out of pocket for the differences.

You can protect your company from having to pay full or partial repair expenses when another driver is at fault in an auto accident, by carrying uninsured and underinsured motorist insurance. This insurance works similar to your commercial liability insurance policy, except that it is designed to protect your flat bed trucks when another person is at fault in an accident.

Other Important Commercial Auto Insurance your company should carry for flatbed trucks includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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