We’re in Jasper, Alabama, and around here log trucks are a way of life. Hauling from the woods to the mill is hard on trucks and hard on drivers, and not every insurance company wants to write it. That’s exactly why you need an agent that knows the timber business and knows where to take it.
Coverage for log trucks
- Primary auto liability — covers injury and damage to others, at the limits the mills and your contracts require.
- Physical damage — protects your truck and log trailer from wrecks, rollovers, fire and theft.
- Cargo — some mills and landowners want the logs covered; we’ll tell you when you need it.
- General liability — worth a look if you’re working on the landing or in the woods, not just on the road.
Why log truck insurance is harder to place
Fewer insurance companies want log trucks, and the ones that do look hard at your drivers, your trucks and your safety record. And so having all your information ready and presented right makes a real difference in what you get offered.
Minimum premiums and audits
If your policy is rated on mileage or revenue, ask about the minimum premium and how the audit works before you sign. I’ve seen folks lose money at audit because nobody explained it to them. Your agent ought to be working for you.
Let’s look at yours
Every operation is different, and I’m not going to throw a number at you before I know your trucks, your drivers and what you haul. Give me a call on my cell at 205-275-5005, or start a quote with your DOT number and we’ll get to work on it.