01
Commercial Property
Protection for your business property, equipment, and facilities.
- Buildings and structures
- Business equipment
- Inventory and supplies
- Business interruption
Trucking & transportation
Business Protection Package
Comprehensive coverage for your trucking business operations
Overview
Complete Protection for Your Trucking Business
Running a trucking business requires more than just vehicle insurance. At United Insurance Group, our Business Protection Package combines essential coverages to safeguard your entire operation - from your physical property to your most valuable asset: your drivers.
Whether you operate a terminal facility, employ drivers, or work as an owner-operator, we provide comprehensive protection tailored to the transportation industry. Our package solutions offer better coverage at competitive rates compared to purchasing policies separately.
Business Protection Coverage Options
Safeguard every aspect of your trucking operation
02
Workers' Compensation
State-mandated coverage for employee injuries and illnesses.
- Medical expenses
- Lost wages coverage
- Disability benefits
- Legal protection
03
Occupational Accident
Alternative to workers' comp for owner-operators and independent contractors.
- Medical benefits
- Disability income
- Accidental death
- Dismemberment coverage
04
Non-Trucking Liability
Coverage when operating outside of business use or dispatch.
- Personal use protection
- Bobtail coverage
- Deadhead operations
- Off-duty liability
Questions
Frequently asked questions
Still unsure? Call (866) 628-9441 or email contact@uigagency.com.
Do I need workers' compensation for my trucking company?
Most states require workers' comp if you have employees. Requirements vary by state, but generally apply to companies with one or more employees. Owner-operators without employees may not need it but should consider occupational accident coverage.
What's the difference between workers' comp and occupational accident?
Workers' comp is state-mandated for employees and provides guaranteed benefits. Occupational accident is a private insurance option popular with owner-operators and independent contractors, offering similar protection without state requirements.
Does commercial property insurance cover my trucks?
No, commercial property covers your buildings, terminal facilities, office equipment, and business property. Your trucks and trailers need separate commercial auto physical damage coverage.
Why do I need non-trucking liability as an owner-operator?
Non-trucking liability (also called bobtail insurance) covers you when not under dispatch - driving home, personal errands, or moving to pick up a load. Your motor carrier's policy typically doesn't cover these situations.
Protect Your Entire Business Today
Comprehensive business protection packages customized for trucking operations.