Operating any vehicle in Massachusetts comes with certain risks, but this is especially true when driving something that’s the size of a flatbed truck. The trucks and their loads present unique risk factors that must be taken into account, and that’s what flatbed insurance does.
Flatbed insurance provides tailored coverages for flatbed trucks. Policies have coverages and terms that are adjusted to accommodate the size and weight of these trucks and their loads.
Massachusetts businesses generally need flatbed truck insurance if they operate flatbeds. Policies can insure straight flatbed trucks, tractor-trailer flatbeds, lowboys and similar vehicles.
Because many different sectors use flatbed trucks, this insurance might be purchased by a variety of businesses:
Flatbed truck policies generally surpass the state’s minimum coverage requirements. There are a variety of protections that these policies might offer, including both property coverages and liability coverages.
Property coverages generally protect the business’s assets, including the truck and other assets, against loss or damage. Some common property coverages for flatbeds are:
Liability coverages generally protect in situations where the business could be responsible for injury or property damage that another party suffers. Some oft-purchased liability protections are:
For a detailed explanation of these and additional coverage options, businesses should consult with a specialized insurance agent. An agent who specifically knows flatbed policies will be familiar with the coverage adjustments that these policies frequently have.
While flatbed tow trucks might potentially find adequate coverage within a flatbed truck policy, these policies are primarily intended for other flatbed trucks. They might be used for a truck that transports multiple vehicles from auctions, but are even more often purchased for larger trucks. Their protections don’t necessarily meet the needs of tow truck operators.
Instead, a tow truck policy is likely a better choice for tow truck operators.
If you need insurance for a flatbed truck that’s registered in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. We’ll make sure you find flatbed insurance that’ll protect your trucks well.
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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
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