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Commercial Truck Insurance: Protect Your Employees
Workers Compensation Insurance The most basic form of protection for your employees is workers compensation insurance. Although it simply sounds like a way to protect your employees, it actually is crucial to your business as well. The principle purpose of workers compensation insurance, or “workers comp” for short, is to protect the employee in case of an illness or injury. This includes reimbursement of lost wages, coverage for work-related sicknesses and injuries, legal expenses to defend against employee claims, and payment for losing such cases. While some of this may seem tedious, it is actually a required by US law in most states. And you want your employees to know that their well-being is in mind and provided for. It is worth noting that workers comp does not typically cover independently hired drivers, who may need additional coverage. Check with you truck insurance provider. General Liability Insurance This is the bare minimum commercial truck insurance that must be purchased to operate a business. It covers on-site accidents to the truck, the driver, and others if the driver is at fault. Additional cargo insurance may also be necessary for drivers who carry freight, in order to operate within the confines of the law. Contact an agent for assistance and to ask specific questions. Article Directory: http://www.articledashboard.com Patrick Winchester is a freelance writer with info about commercial truck insurance. For more details on trucking insurance policies, visit royaltytruckinsurance.com/ to learn about coverage options. |
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