Commercial Truck Insurance Georgia

If you spend your days navigating the Peach State, you need outstanding insurance coverage every time you hit the road. At American Insurance Brokers, we connect drivers and fleet operators with the best commercial truck insurance in Georgia. While you certainly can’t afford to be uninsured, having the wrong type or level of coverage can be just as challenging.

At American Insurance Brokers, we guide you through all of your options. Plus, we work tirelessly to ensure you are always in compliance with federal and state commercial truck insurance requirements. Since 1980, this is the exceptional level of customer service we have offered every client we work with.

Here’s what you can expect when working with American Insurance Brokers for your Georgia trucking needs.

How does commercial truck insurance in Georgia work?

From health insurance to homeowner’s insurance, insurance policies are designed to protect your finances from catastrophic events. Driving is no exception, especially as our roads get busier and busier.

As you may know, your traditional car insurance for personal driving isn’t enough coverage for commercial purposes. You’re usually not allowed to use it for business operations. Whether you’re an independent truck driver or the manager of a fleet, you need the best commercial truck insurance Georgia can offer. This is a non-negotiable expense that is designed to protect you and your business.

For example, what if you or one of your drivers is in an accident on the highway? First, there may be injuries that result in mounting medical bills and loss of work. Beyond that, there may be extensive property damage for the other parties involved, not to mention your own vehicle. The financial aftermath is daunting if you haven’t met your commercial truck insurance requirements.

On the other hand, if you do have a robust insurance policy, you can rest easier. You will have the coverage you need to focus on getting back to traveling those Georgia roads.

What are the benefits of commercial trucking insurance in Georgia?

Georgia is home to two deep-water ports, as well as land terminals in Chatsworth, Bainbridge, and Columbus. These gateways to the world make Georgia a busy place for truckers who are transporting goods and products. In fact, 76.1% of communities in Georgia depend exclusively on trucks to move their goods.

A few other important numbers that shed some light on the Georgia trucking industry include:

There are 265,890 trucking jobs in Georgia, which amounts to one in every 14 jobs in the state
Georgia is home to 32,000 trucking companies, primarily small and locally owned businesses
In Georgia, 94% of manufactured tonnage is transported by trucks

This data demonstrates just how important it is to have robust commercial truck insurance in Georgia. When you’re in an accident, you shouldn’t have to worry about how to cover the cost of property damage or medical bills. Your insurance policy should kick in and provide you with the compensation you need to get back to work in a timely manner.

The benefits of carrying Georgia commercial truck insurance are important, and the risks associated with not having it are simply too high. American Insurance Brokers can help you find a solution that is appropriate for your budget, while still providing the coverage you need.

What does Georgia commercial truck insurance cover?

The best commercial truck insurance in Georgia will be comprehensive, protecting you in a range of different scenarios. For example, you should always have compensation for damages to your vehicle or the vehicles of other parties involved. Plus, you need medical coverage for injuries sustained by you or your drivers, as well as other parties. This is the most basic level of coverage, but you may need additional protection for your unique business.

From cargo coverage to on-hook towing, these are the policies we can help you set up:

Bobtail insurance
Commercial auto liability
Garagekeepers legal liability
General liability
Medical payments
Motor truck cargo
Motor truck general liability
Non-trucking liability
On-hook towing
Physical damage
Primary liability
Trailer interchange
Uninsured motorist
Workers compensation

If you’re not sure what you’re looking for or don’t see what you need on this list, just give us a call! Our team at American Insurance Brokers can determine the best policy to fit the needs of your business.

Your first choice in the South

American Insurance Brokers is a family-owned and operated business. We have decades of experience providing commercial truck insurance in Georgia and across the Southeast.

Because we are an agency, not an insurance company, we have the advantage of being able to provide you with multiple competitive quotes from various carriers. Simply put, we are brand-neutral! Our job is to independently advise you on the best policy for your unique needs.

Our agents at American Insurance Brokers are knowledgeable and have the experience necessary to offer this type of guidance. We will help you examine how different levels of coverage may impact you in the event of an accident or injury. Plus, we’ll ensure that you always have access to additional options for your unique needs.

American Insurance Brokers can make it easier to find great commercial truck insurance in Georgia while wasting no time getting you covered.

What types of vehicles does AIB cover?

American Insurance Brokers is a diverse agency with the ability to connect many different types of vehicles with coverage.

Some of the commercial vehicles we frequently work with include:

Straight trucks
Box trucks
Flatbed trucks
Tank trucks
Moving trucks
Tow trucks
Tractor-trailers
Car carriers
Moving trucks

Don’t see your commercial vehicle on this list? We know it takes a range of different vehicles to keep Georgia running. There are plenty of unique situations that require Georgia commercial truck insurance.

Give us a call to discuss any questions or varying circumstances of your situation. We would love to learn more about your business and find a way to serve your needs.

Georgia state and regulatory filing requirements

Before you hit the road, you must comply with all state and federal regulatory filings. There is a lot to keep track of, which is why we do the leg work for you. We’ll make sure you’re always in compliance!

These Georgia regulatory filing requirements may include, but are not limited to:

BMC-34: Proof of cargo liability insurance for household goods carriers
BMC-91X: Proof of bodily injury and property damage insurance
Form E and Form H: Proof that your liability and cargo liability insurance complies with Georgia state law
MCS-90: Endorsement for Motor Carrier Policies of Insurance for Public Liability
SR22: Proof of meeting the minimum requirement for liability insurance coverage, as well as a guarantee from your insurance company to notify the DMV if you fail to maintain continuous insurance coverage

Our team at American Insurance Brokers keeps track of these filings for every state we serve. When legislation and other factors contribute to changes, you will be the first to know. We’ll work behind the scenes to keep you in compliance.

Georgia and beyond

When work takes you beyond the borders of Georgia, we can help. Our unique understanding of the trucking industry gives us insight into the coverage you need. If your job requires you to travel to surrounding states, you should have peace of mind that you still have financial protection.

In addition to commercial truck insurance in Georgia, we provide coverage in the following states:

Get your review

One of the unique offerings that set us apart from competitors is a free review of your policy. This gives us a chance to take a closer look at the coverage you’re receiving. We will make sure you have the right amount at the right price. This thorough review is completely free for all potential clients. After you’re on board with us, we continue to offer this review on an annual basis.

What do we look for? There are three important factors we check for:

1. Low deductibles and high limits that provide financial protection in the event of an accident or other incident

2. Compliance with all federal and state requirements to ensure you are up to date

3. Responsiveness from your insurance company when you need it the most

When disaster strikes, you need a team working behind the scenes to get you back on the road. After all, driving is your livelihood. We work with dozens of “A” rated insurance companies to find you competitive prices and unmatched customer service.

Are you ready to get the coverage you’ve been searching for? At American Insurance Brokers, we work hard to meet all of your commercial truck insurance requirements while minimizing the impact on your wallet.

Give us a call at 1-800-256-1177 or fill out our online form today to get started!