An accident outside dispatch orders doesn't automatically let your fleet off the hook. Respondeat superior, negligent entrustment, and your own commercial auto policy can all pull you into a claim — whether the driver was authorized or not. Here's what fleet owners need to know before that situation arises.
Running team drivers keeps the truck moving around the clock. But when something goes wrong, "who's responsible" gets complicated fast. Here's what fleet owners need to know about team driver liability and how to make sure your policy is actually built for it.
Most fleet owners assume their physical damage policy covers whatever trailer their drivers are pulling. It doesn't. Non-owned trailer exposure is one of the most overlooked gaps in commercial trucking coverage — and it often goes unnoticed until a claim gets denied.
Last-mile trucking runs on tight margins and high stop counts — and the insurance policies most fleets carry weren't written for it. This post breaks down the specific coverage gaps that hit last-mile operations hardest and what to do about them before a claim forces the conversation.
A reefer breakdown mid-haul can wipe out a load worth tens of thousands of dollars in hours. Here's what your motor truck cargo policy covers, where coverage stops, and what claims actually require to get paid.
When you're hauling a high-value partial load, the cargo coverage question isn't just "how much" — it's how your policy handles mixed freight, undeclared value, and competing liability when a claim hits. This post breaks down why partial loads increase claims complexity and what your motor truck cargo policy actually needs to say.
Lumper fees and warehouse damage incidents raise liability questions that most motor truck cargo policies don't answer clearly. This post breaks down who is responsible when freight is damaged during unloading, how the care/custody/control trigger works at the dock, and where your coverage may stop short.
Sitting at a dock for hours costs more than driver pay. Detention and dwell time delays create real insurance exposure — cargo liability gaps, HOS-related accident risk, and claims your current policy may deny. This post breaks down exactly where those gaps are and what to do about them.
Trailer swaps happen every day in trucking. What most fleet owners don't realize is that the moment you take possession of another operation's trailer, their physical damage coverage doesn't come with it. Here's who pays, when, and what you need to have in place before you hook up.
When you add a short-term leased truck to your operation, your existing policy may not follow it the way you think. This post breaks down the coverage conflicts that show up with temporary leased equipment — and what fleet owners need to do before the truck leaves the yard.