Commercial Truck Physical Damage Coverage

Physical Damage

At IAT Insurance Group, we understand the critical importance of safeguarding transportation assets.

Our Physical Damage coverage designed for commercial truckers provides robust protection against a wide range of risks, ensuring motor carriers and owner-operators keep their operations running smoothly even in the face of unexpected events.

What is Physical Damage Coverage?

Physical Damage coverage is essential for businesses that rely on commercial vehicles to transport goods and services. It provides financial protection against damage to the insured vehicles, allowing for repairs or replacement in the event of a loss. This coverage is crucial for minimizing the impact of accidents and mitigating potential financial losses.

Coverage Highlights

Physical Damage coverage helps safeguard commercial vehicles against a range of risks, ensuring businesses stay operational and minimizing downtime. We specialize in crafting customized insurance solutions that meet the unique needs of those on the road, whether they are part of a non-trucking operation or a specialized transport service. Our coverage options include:

Comprehensive Coverage:
Protecting commercial vehicles against non-collision-related incidents, such as theft, vandalism, fire, and natural disasters.

Collision Coverage:
Covering damages to commercial vehicles resulting from collisions, whether with another vehicle or an object.

Combined Deductible:
Offering flexibility by combining Comprehensive and Collision coverages into a single deductible, reducing out-of-pocket costs in the event of a loss.

Whether insuring a single truck or an entire fleet, IAT’s Commercial Truck and Independent Contractor teams provide the protection needed to keep businesses moving forward.

Find an agent

We work hand-in-hand with our partners to offer comprehensive insurance solutions suited to your needs. Ready to get started?

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Target Classes

Our Physical Damage coverage is designed for a variety of transportation needs, including:

Local, Intermediate, and Long-Haul For-Hire Motor Carriers

Protecting businesses that transport goods across short and long distances.

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Dry Van Operators

Covering businesses that use dry van trailers for freight transportation.

Refrigerated Transporters

Offering specialized coverage for those transporting perishable goods.

Flatbed Operations

Tailored protection for businesses using flatbed trailers for large or unusual loads.

Intermodal Carriers

Coverage designed for those involved in transporting goods using multiple modes of transportation, such as rail and truck.

Agricultural Haulers

Protecting those who transport agricultural products and livestock.

Independent Truck Operators

Comprehensive, competitively priced insurance coverage to help Independent Contractors fulfill the insurance requirements of the motor carrier to whom they are contracted.

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Partner with IAT Insurance Group

Partnering with IAT Insurance Group means offering commercial truckers the comprehensive protection they need to keep their vehicles on the road and businesses thriving. Our dedicated underwriters work closely with agents to create customized coverage solutions that meet the specific needs of their clients, including flexible payment plans, Loss Control support, and exceptional claims handling.