Utah Commercial Truck Insurance
With more than 20 years of experience offering specialized commercial truck insurance, hundreds of 5-star Google reviews from satisfied truckers just like you, and an A+ rating from the Better Business Bureau, we have developed into Utah’s top insurance provider. NITIC provides continuous customer assistance 24*7 hours, the quickest claim resolution, service discounts, and simple online policy access.
Save up to 20% with NITIC and get the best comprehensive commercial truck insurance coverage under one roof!
To continue doing business in Utah and to keep your commercial trucks safe both on and off the road, you need enough commercial truck insurance. In addition to being legally required, this insurance provides good financial support in the event of property damage, or bodily injury. Make the best choice for you by speaking with one of our Utah insurance agents.
What do we offer truckers like you?
At NITIC, we offer our customers a wide range of insurance alternatives. In accordance with your unique company demands, we can help you get the greatest coverage, including main liability, non-trucking liability, physical damage, worker’s compensation, trailer interchange coverage for motor truck cargo and trailers, and more. We adhere to the quickest claim settlement policy and offer the required cash aid right away.
Give us a call! Our professionals will help you satisfy all of your insurance obligations, including renewals.
Searching for commercial truck insurance in Utah? We have your covered!
We provide coverage for all Utah cities, including the following when it comes to commercial truck insurance:
- Salt Lake City
- West Valley City
- West Jordan
- Provo
- St. George
- Orem
- Sandy
- Ogden
- Layton
- South Jordan
- Lehi
- Millcreek
- Taylorsville
- Herriman
- Logan
- Draper
- Eagle Mountain
- Murray
- Bountiful
- Riverton
- Saratoga Springs
- Spanish Fork
- Roy
- Pleasant Grove
- Cedar City
- Tooele
- Kearns
- Springville
- Midvale
- American Fork
- Clearfield
- Holladay
- and surrounding towns and cities
Customers in these Utah cities can choose from a variety of discounts. For the best protection for your business, just give us a call.
Commercial truck insurance coverages in Utah
Every state in the United States mandates that truck owners and operators get third-party liability insurance to protect them from accidents that can cause both property damage and bodily harm. You need enough commercial truck insurance to safeguard your Utah trucking business against unforeseen occurrences like accidents, vandalism, natural disasters, and others.
Through NITIC, you will get the following coverages that will help you run your trucking company successfully and offer first-rate financial support:
Get in touch with us to learn more about any of the aforementioned coverages, and we’ll let you know how much it will cost to have it tailored to your company.
What types of trucks do we offer coverage in Utah?
Regarding the sorts of trucks to insure for your company, we in Utah have the requisite experience. The many truck types for which we offer coverage are listed below:
- Box trucks
- Dump trucks
- Hotshots
- Tow trucks
- Semi-trucks
- Private Carrier
- Owner Operator
Need a free consultation? Give us a call. We will be right back to you.
Why do you require Commercial Truck Insurance in Utah?
Any Utah trucking company that uses a truck for work-related purposes must have sufficient insurance. All of your trucks need to be covered by a commercial truck plan, whether you own a fleet of trucks or a single pickup truck. Without commercial truck insurance, your business might face monetary and legal issues.
There are several advantages to having the appropriate truck insurance in Utah, including the following:
- Covers the third-party costs (bodily injury and property damage).
- Covers all of your property damage and personal injuries.
- Defends against any legal action brought by accident victims
- Pay all medical costs.
- Covers any freight damage to your transport.
Minimum commercial truck insurance requirements in Utah
According to Utah law, truck drivers must maintain specific levels of insurance. The cost of the premium you require depends on the type of freight you are transporting and the location. If your truck has a GVW of more than 26k and you drive it intrastate, you must have:
- For hazmat, you will require $5 million of liability insurance.
- For oil, you will require $1 million of liability insurance.
- For general freight, you will require $750,000 of liability insurance.
- For household goods, you will require $350,00 of liability insurance.
Any truck that traverses state boundaries must adhere to the rules established by the FMCSA. The federal liability limitations for cross-state travel often range from $7.5 lac to $1 million.
What is the cost of commercial truck insurance in Utah?
The average cost of commercial truck insurance for a one-truck operation operated by a trucker in Utah with a clean driving history is relatively high and it will cost you $1215 per month.
Also, these price projections are based on drivers that operate one truck and require liability, type of cargo, and physical damage insurance.
The final premium cost is affected by a number of factors, including,
- Type of cargo you are transporting
- Your previous insurance claims
- Length of time you have been in operation
- Amount of risk because risk varies from business to business
- Truck model and weight
- Type of coverage you choose
Utah Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Utah 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
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Box Truck
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Tow Truck
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
|
Tractor Trailer
|
$8,200
|
$10,200
|
$11,200
|
$12,200
|
Utah Commercial Truck Insurance Filings
In Utah, commercial truck insurance filings are essential for truck owners and operators to ensure compliance with state and federal regulations. These filings serve as proof of adequate insurance coverage, which is necessary to operate legally on the road. Below is an overview of the key filings required in Utah. Once you file for authority, a NITIC team member can assist with these important filings:
Form E – Uniform Motor Carrier Bodily Injury and Property Damage Liability Certificate of Insurance
- Purpose: This form is a certificate of insurance that verifies the carrier has liability insurance in accordance with Utah state requirements.
- Requirement: Mandatory for all motor carriers operating in Utah.
- Coverage: Typically includes bodily injury and property damage liability.
Form H – Uniform Motor Carrier Cargo Insurance Certificate
- Purpose: This form certifies that the motor carrier has cargo insurance to cover loss or damage to goods being transported.
- Requirement: Required for carriers transporting goods for hire.
- Coverage: The amount of coverage varies based on the type of cargo.
Form K – Notice of Cancellation of Motor Carrier Insurance Policies
- Purpose: This form is filed to notify the state of the cancellation of an insurance policy.
- Requirement: Insurance companies must file this form within a certain time frame before the cancellation takes effect.
- Impact: Failure to maintain active insurance can result in the suspension of operating authority.
Form MCS-90 – Endorsement for Motor Carrier Policies of Insurance for Public Liability
- Purpose: This federal filing ensures that the motor carrier has the required minimum liability insurance to cover public liability.
- Requirement: Mandatory for carriers operating interstate or transporting hazardous materials.
- Coverage: Minimum liability limits are set by the Federal Motor Carrier Safety Administration (FMCSA).
BOC-3 – Designation of Process Agents
- Purpose: This form designates a process agent in each state where the carrier operates, who can receive legal documents on behalf of the carrier.
- Requirement: Required for interstate carriers.
- Submission: Filed with the FMCSA but must be kept current for Utah operations as well.
UCR – Unified Carrier Registration
- Purpose: This registration is required for carriers operating interstate, ensuring compliance with various state and federal regulations.
- Requirement: Carriers must register and pay fees annually.
- Compliance: Non-compliance can lead to penalties and suspension of operating authority.
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