Why Do I Need Commercial Truck Insurance?

Everything that has a motor has to be insured. Commercial trucks are no different. But what kind of commercial truck insurance is best for you and why is it important?

Commercial truck driving is a lucrative business. One can work for a major company or be an independent contractor and work for hire. Truck drivers can work alone or in groups, as well. There are several types of commercial truck insurance plans for drivers. The most important motor coverage is primary liability, which can cover a driver across state lines. Primary liability is required for all drivers. Tractor-trailers need, at most, $750,000 in coverage to operate. In the case of an accident, this type of coverage is used to cover property damages and bodily harm. An individual’s driving record, desired coverage, and the type of business operation can determine premiums.

Motor truck cargo insurance is another type of safeguard specifically for for-hire truck drivers. It is meant for liability in case your cargo is lost or damaged because of fire, collision, or load striking. It also covers debris removal and pollutant extractions from the road and water. When you buy a policy, you set a limit. It is not legally required, but the company you work for may request that you get it. Types of vehicles covered by this safeguard include dump trucks, box trucks, cement mixers, cargo vans, and car haulers. It does not cover garbage trucks, limousines, hearses, buses, passenger vans, or ice cream trucks. Vehicles that carry pharmaceutical-related items, live animals, and art items are also not covered.

Insurance can be bought either individually or through an employer. It can be issued to you the same day. It may also take up to one week, depending on the case log and information needed to proceed. Not having insurance for a moving vehicle can have negative consequences for the driver, from suspended licenses to jail time.

Payments are also accepted in many forms, especially check, credit card, and money order. Some can be paid over the telephone, online, or by mail. Check with your insurance carrier on what payment types are accepted, how they are accepted, and if there is a charge for paying commercial truck insurance by telephone or online, as some may charge a nominal fee.

Whoever you get your coverage from, make sure they are reputable. Ask around with other truck companies, check out other customers’ reviews, the Better Business Bureau, and state agencies. Choose a company that has grown over the years and is willing to grow with you and walk you through the process. More importantly, choose a company that, preferably, specializes in truck and fleet insurance. That can make a difference for claim purposes!

Design to Build a Career Path in Truck Driving

Position Objective:
To export the goods to customers in a full pledged manner that will inflate the cooperative’s market share and savings, by improving the cooperative’s efficiency, help to achieve the cooperative’s responsibilities and goals, and result in outstanding customer service.


Truck drivers operate heavy trucks to transport goods and other material products over urban, interurban, provincial area. They can work for products companies, or they may be self-employed. There are also truckers who work on special-purpose trucks, and there are hunters who move trailers to and from loading products within trucking yards.

Position Responsibilities:
The truck driver’s responsibilities involve delivery and pick-up, reporting, operations, Service, safety and maintenance, and other duties as assigned by management.

The truck driver will maintain a positive attitude that promotes team work within the Cooperative and a favourable image of the cooperative.

Commercial driving licence is a specialized guidance program designed to formulate a student to obtain a commercial driver’s license. A CDL job is required to operate a vehicle in National highways. During training, students are taught the necessary awareness and expertise skills to pass a series of tests to obtain their CDL. CDL training normally begins with classroom instruction geared towards tactics for safely operating the vehicle in the roads. The CDL permit is a permit that allows a student truck driver to practice driving skills on public roads with a CDL licensed driver or instructor. A student graduates CDL training once he or she receives a CDL and proves that he or she can comfortably and safely drive and operate a truck.

There are different types of commercial truck driving jobs. Some work may be local delivery of goods from one concern to other concern in the nearby areas. Another is route drivers which typically work in the same path making distributions to retail establishments. Next one is Pick-up and delivery drivers. They carry goods from a transport centre to a business centre or customer. These drivers usually operate in a particular area consistently. There are truck driving jobs which carry merchandise over state lines. In some cases, they may have to travel in persistent routes, but at sometimes they have to work in different routes all over the country.

CDL training:

In some concerns, trucking company itself provide cdl training for employees are called as company sponsored cdl training or company paid cdl training. The transportation company has a solid demand for commercial drivers. All the states require commercial driving licence to operate the trucks. Drivers must need to pass a written test and skills test to obtain a commercial driving licence. Several organisations concentrate on both practical and class room session.

Some concerns provide free cdl training but they required to work for a minimum for a year to work in that concern. After finishing free training and that concern makes you the experienced driver.

A place that provides good cdl training is that they have should trucks in proper condition and they should offer job assurance.

How To Prepare For A Truck Driving Career

The commercial trucking industry is growing and needs more drivers moving forward. The Bureau of Labor Statistics reports that employment for commercial truck drivers will go up by nine percent up to the year 2018. Salary rates are also expected to increase particularly for those who have enough experience in the industry.

If you’re one of those planning to enter this sector, then you need to prepare yourself for the job and the challenges that lie ahead. An important requirement that you should meet first is to obtain a commercial driver’s license (CDL). You can only get this after you enroll in a truck driving training course offered at vocational schools and pass the certification exam.

You need to research about the schools available in your area first to ensure that you’re enrolling in a legitimate institution that provides a comprehensive CDL training. Doing so will prepare you well for your future career in the truck driving field and will easily get you a job once you get your license.

You can also research about the companies you’re targeting as prospective employer to find out about their requirements. This will also help you get the right training for the jobs offered by that particular company.

In some cases, companies may hire an experienced driver still without a CDL and can finance his training at a truck driving school. This is also possible especially for drivers who have a good record and sufficient experience. Or companies may hire students who have completed a certified training program that they approve of and then reimburse your tuition.

It would also be a good idea to learn about the work settings for commercial truck drivers and the benefits offered by companies. Keep in mind that your job would not be that easy as you may need to travel long distances and be away from your family. Knowing what to expect from your job will make you better prepared for your career. You can talk to other truck drivers you know to get first hand information.

In addition, you may want to research about the CDL schools that companies choose. This will give you a better chance to be hired after completion of your truck driving training. You can do your homework on the internet by visiting the websites of your preferred companies.

While you’re preparing for your career as a commercial truck driver, do ensure that you have a clean driving record and are physically as well as emotionally fit. Companies are particular about this and many drivers have been turned down for employment due to factors such as felonies, traffic violations and driving under the influence of drugs and alcohol.

Make sure that you don’t use drugs to pass the drug screen which is another major requirement for truck drivers. There will also be a physical test as well to check your hearing and vision and it would help you well if you have an interest in mechanical things.

Finally, apart from your basic CDL training, you may be required by your company to undergo further training once you’re already employed. But you don’t have to worry about this as this is meant to improve your skills and a way to be promoted later on.

Choosing the Right Truck Driving School For You

In these days when vocational schools are mushrooming online and offline, it is vital to know how to choose the right one that can give you the appropriate knowledge and training you need. The same is true if you’re searching for a good truck driving school.

Truck drivers who wish to become properly licensed for commercial truck driving work are required to undergo the right training today. Before they can be hired by companies, one important qualification they need to have is a commercial driver’s license. This is gained through the CDL training at a truck driving school.

Basically, there are three types of truck driving schools. These are the private, public and the motor carrier. Private schools are normally certified but charge a high fee. A motor carrier, on the other hand, offers a two to three-week course with additional practice for a few more weeks.

The first step you can take when looking for a good school is to list down the truck driving schools in the area where you live. From your list, look for a program certified by a Professional Truck Driver School. Contact the schools by phone or email and find out what certifications they possess. Not all schools, however, may have the PTDI certification so this is an important consideration you need to keep in mind.

The next step is to check the course syllabus for the CDL course of the truck driving school. Ideally, students under this program should be taught the theories and be provided with practical experience in handling a truck, how to check its vital components for possible problems and how to fix them.

It would be a good idea to personally visit the institution so you can have the opportunity to consult with the administrators and teachers. While there, you may also want to review available school catalogs and talk with the past students to find out how their training went.

Visiting the school should also give you the chance to see what facilities are available and find out if the equipment in place, including the vehicle itself, are modern and not the old ones. An institution that utilizes newer truck models shows itself as being dedicated to providing quality education to its students. In other words, it is committed to make its students competitive in the truck driving industry after completion of their course.

Be wary of schools that offer quick training such as for only two weeks. Many truck drivers easily get attracted to this advertisement particularly those eager to start their career but always check the schools’ credentials first.

It cannot be denied that while there are reputable truck driving institutions, there are also others that are in place but only purely for business. They promote themselves as quality schools when in fact, they offer poor quality training that costs thousands of dollars.

There are some truck driving schools that offer placement services for the newly graduates. This can be another consideration if you will although not really necessary because the increasing job openings in the truck driving position these days.