How commercial truck insurance in Louisiana works
Both large and small fleets will get quick access to the coverage they need through our simple system at American Insurance Brokers. We offer free policy reviews, fast certificates of insurance, and a reliable team who will be there for you every step of the way.
We put decades of expertise to work while helping you select the right insurance plan at the most competitive rate. Once you’ve chosen to obtain insurance through American Insurance Brokers, we also take care to ensure you have the legal documentation you need to do your job, fast.
We provide the following Louisiana and federal commercial truck insurance filings:
- FMCSA: Proves Federal Motor Carrier Safety Administration registration
- MCS90: States that the driver’s financial commitment meets the state’s minimum requirement
- BMC34: Provides cargo liability coverage
- BMC91-X: Shows public liability insurance (such as bodily injury, property damage, or environmental restoration)
- Form E: Demonstrates that drivers carry the minimum required insurance for their home state
- Form H: Confirms that drivers carry the minimum required cargo liability insurance for their home state
- OS/OW COI: Proves to Louisiana that drivers have sufficient liability insurance to operate oversize or overweight vehicles
- SR22: This shows that drivers have filed minimum liability insurance with their home state’s motor vehicle department
Because different situations require various filings, our team will take a close look at your needs to ensure accuracy. We’ll work with your team to ensure we’ve filed the appropriate paperwork for your company.
An annual review
When it comes to commercial truck insurance in Louisiana, it’s important to thoroughly review your policy every year. This is an opportunity to make sure you’re getting the coverage you need at the right price. At American Insurance Brokers, we provide free annual policy reviews for any type of commercial vehicle.
During this type of review, we’ll typically look for three important components. First, we’ll examine your current deductibles and limits. The amount you will have to pay before the insurance company makes any payment (the deductible) should be relatively low. When it comes to the absolute limit regarding what the insurance company is required to pay, the number should be considerably high for your industry and risk profile.
Next, our team will check for compliance with all federal and state requirements. This has to do with the regulatory filings previously discussed. While there are many forms to keep track of, your insurance company should always ensure that you’re up to date while enrolled in one of their policies.
Finally, we’ll make sure you’re on board with a responsive insurance company. If disaster strikes, it’s important to have a team that will work tirelessly to get you back on the road. American Insurance Brokers works with more than 35 “A” rated truck insurance companies. That means you will get the most competitive price for your insurance, as well as excellent customer service if challenges occur.