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What Types of Commercial Truck Coverage Are There?

Commercial truck insurance can be complicated and pricey and you might not know where to begin especially if you’re new to the industry. There are a lot of things that need to be considered to balance saving money and having enough coverage. The right insurance for your truck can save you a lot of stress and give you a good amount of peace of mind knowing that you are protected from potential catastrophes.

There are many different types of coverage when it comes to commercial truck insurance Chicago IL that need to be considered when purchasing insurance. Each of these covers specific situations and damages than the others. Here are just a few of the types of coverage that are available.

Primary Auto Liability

This type of insurance is required on a federal level to meet certain regulations. Every rig must have liability insurance even if they are leased. If someone else is hurt in an accident, liability covers their damages. As an owner-operator, it’s important to ask the company that you are considering leasing from questions about who provides this type of insurance on the rig.

Physical Damage

This type of coverage protects your trailer and truck. Your plan’s premium will be based on how much your equipment is worth at the time. Usually, a percentage is used to determine the cost. While it’s not legally required, it’s highly recommended as commercial truck equipment can be exceedingly expensive. If there are damages or a loss to your equipment, the insurance company will pay you the exact market value.

Non-Trucking Liability

Even if you are not dispatched, there’s a good chance that you will still have to drive your truck somewhere. This is what non-trucking liability coverage is for. If you are in an accident when not on the job, you will still be covered.

General Liability

Even out of the truck, there are still hazards in the workplace when it comes to trucking. Accidents can happen while at a business or your own headquarters. In addition, this insurance also protects against contractual damages as well in some cases.

Cargo Insurance

In many cases, the cargo being hauled is much more expensive than the equipment that is hauling it. It’s important that it be protected whether it be from an accident or theft. There are maximum limitations to the coverage available for the cargo being transported that are important to keep in mind when taking a load.

Non-Owned Trailer Coverage

For trailers that you are hauling for someone else, you can have both liability and physical damage insurance to protect the equipment. There is usually a standard of around $20,000 for non-owned trailer physical damage coverage. Liability coverage is used when there is an interchange agreement to protect the trailer.

Terminal Coverage

Your freight needs to be protected when it’s off the road, including at a terminal. There are usually time limits for this type of insurance of around 3 days. It’s important to know these limits before parking your freight for an extended period of time.

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Increasing the Longevity of Your HVAC Equipment

In order to make sure that your HVAC equipment works properly and efficiently, you will need to make sure that it is properly maintained. Proper maintenance will ensure that your heating and air conditioning equipment lasts for many years. If you perform maintenance on your machine each year, you will have a lower risk of breakdowns and issues with your equipment.

Cleaning your Filter

One of the most important things that you can do for your HVAC is to keep your filter clean. Filters will trap a lot of impurities out of the air. These impurities include dust, dander, dust mites, and more. If the filter is not cleaned regularly, it can allow for a build-up of harmful bacteria. This can lead to people in your home developing problems with their breathing. Not cleaning your filter will also prevent clean air from going into your system. This will cause your HVAC unit to work harder. This will increase your power bill along with increasing the likelihood of breakdown with your HVAC equipment. Cleaning your filter will depend on the filter style and brand. For the most part, you will be able to clean your filter with a dry cloth. If your filter is extremely dirty, you may want to consider replacing it.

Maintaining the Outside Unit

Many people tend to forget that part of their HVAC equipment is outside. It is important to maintain the outside unit to ensure the proper functioning of your system. Bird, rats, and other wildlife can get into your outside unit and cause issues. Insects can also cause problems with your HVAC system. If you live in an area that is prone to a lot of rain, you will want to make sure that you check your outside system for mud. Mud buildup can cause a tremendous amount of damage to a unit. Inspect your outdoor unit periodically, and make sure to clean the outside unit thoroughly. If you are not sure about cleaning the outdoor unit, or you would rather a professional do it, contact your local yelm wa air conditioning contractor.

Getting a Maintenance Contract

Doing all the above will help to ensure that you have a smooth running system. Doing proper maintenance will decrease the chances that your unit will break down. If you want to further extend the life of your HVAC unit, you should consider signing up for an HVAC maintenance contract with your local heating and air conditioning specialist. Typically, you can sign up for maintenance that will occur twice a year. Once in the spring when you turn on your air conditioning, and then in the fall when you turn your heat on. Maintenance packages will include inspection of your system. The technician will come out and go over your system to ensure that there are no problems. If they do find a problem, it can be addressed quickly. This will allow you to save money and avoid costly repairs.

If you want your HVAC system to last as long as possible, you should clean your filters regularly. Also, sign up for a yearly maintenance agreement. This will help you to get the most out of your HVAC equipment.…