Connecticut Commercial Truck Insurance
With over 3 decades of commercial truck insurance experience, Connecticut truckers can trust NITIC for their commercial truck insurance needs. We specialize in providing the best possible service and fast, accurate, and affordable quotes. With an A+ rating with the BBB, and hundreds of 5-star Google reviews, Connecticut truck drivers can expect the best! Our truck insurance experts will help you customize the insurance coverage according to your trucking needs. Our team is ready to help with your quote today!
Connecticut Truckers Trust NITIC for All of Their Truck Insurance Needs
Whether you are a private carrier or owner-operator, we have over 30 years of experience in carving the best coverage for our clients. Our policy premium costs are unbeatably affordable. You get unfailing customer support right from getting your truck policy to settling your claims in the quickest way possible.
Our Offer to Truckers Looking for Insurance
At NITIC, you get several trucking solutions under one roof. Once you partner with us, you will not think of going anywhere else because we provide exceptional service to our customers. We offer reliability as we maintain a B++ Rating with A.M. Best and an A+ rating with the Better Business Bureau. We provide several discount options in numerous truck insurances. Connect with us and see how much you can save.
Areas We Cover in Connecticut
We have served countless customers across the state of Connecticut. We offer truck insurance in every city of Connecticut including:
- Darien
- Bridgeport
- Ansonia
- Middletown
- Milford
- Bristol
- Danbury
- Meriden
- Groton
- New Haven
- Hartford
- Naugatuck
- Norwich
- Shelton
- Norwalk
- Torrington
- Waterbury
- New London
- North Haven
- Stamford
Commercial truck insurance in Connecticut
Any Connecticut trucking company that uses any type of vehicle for business use needs to insure it correctly. Whether it is one or multiple, working under lease or own authority, you are required to get adequate commercial truck insurance to safeguard your business operations from all the likely risks on and off the road. Getting a proper policy is very beneficial for the insured as it pays out all the expenses that arise in an accident. Not having proper truck insurance means jeopardizing business operations and own financial well-being.
Why do you need commercial truck insurance in Connecticut?
Without commercial truck insurance, you expose your business to great financial risk. In Connecticut, all types of vehicles need to carry liability coverage as it is federal and state mandated. However, this policy only protects the third party from likely property damages or physical injuries arising out of an accident. If you want to add a layer of protection to your own trucks, drivers, and business, then you should get the following coverages:
- Physical damage: This policy pays for the property and physical damages to your own truck and the drivers who are riding it.
- Motor truck cargo: Motor truck cargo offers protection for the shipment you transport from one location to the other. It pays for the cargo loss that happened due to fire, explosion, vandalism, theft, etc.
- Non-trucking liability insurance: This coverage protects your trucks when they are used for personal motives or are under dispatch.
- General liability: This coverage protects your business against the property and bodily damage to the third party even if the truck was stationary or under loading or unloading session.
How Much Does Commercial Truck Insurance Cost in Connecticut?
The cost of commercial truck insurance in Connecticut varies widely based on several factors, including the type of truck, its use, the driver’s experience and record, and the coverage limits. On average, small trucking companies with a single truck might pay between $10,000 and $12,200 annually for a comprehensive policy. However, this cost can fluctuate significantly.
Example Connecticut Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Connecticut insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Box Truck
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Tow Truck
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
|
Tractor Trailer
|
$10,200
|
$11,200
|
$11,800
|
$12,200
|
Connecticut Commercial Truck Insurance Requirements
Commercial truck insurance requirements in Connecticut are designed to ensure that trucking businesses have adequate coverage to protect against financial risks associated with accidents and damages. Here are the key requirements:
Liability Insurance: All commercial trucks must carry liability insurance. This covers bodily injury and property damage that the truck driver may cause to others. The minimum required coverage limits depend on the type of freight and where the truck operates:
- For non-hazardous freight in vehicles under 10,001 pounds: $300,000.
- For non-hazardous freight in vehicles over 10,001 pounds: $750,000.
- For hazardous materials: $1,000,000 to $5,000,000, depending on the type of hazardous material.
Cargo Insurance: Depending on the type of cargo being transported, additional cargo insurance may be required. This covers the goods being hauled and is especially important for valuable or sensitive cargo.
Physical Damage Insurance: While not legally required, many trucking businesses opt for physical damage insurance, which covers the truck itself in case of accidents, theft, or other damages.
Uninsured/Underinsured Motorist Coverage: This is optional but recommended. It provides protection if the truck is involved in an accident with a driver who lacks adequate insurance.
Bobtail Insurance: For owner-operators who drive their trucks without trailers, bobtail insurance is often required by motor carriers.
Federal Filings: Trucks operating interstate must comply with federal regulations, requiring filings such as the MCS-90 endorsement, which guarantees that the carrier has sufficient insurance to meet federal requirements.
Connecticut Commercial Truck Insurance Filings
NITIC offers truckers assistance with Connecticut state and federal insurance filings. Before starting your filings, ensure you have authority. Once you have filed for authority, we can help with the following:
- ICC
- MCS90
- Form E
- MC1641b
- R1325d
- SR22
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