Primary Liability Insurance

Commercial Trucking: Understanding Primary Liability Insurance (PLI) with Elite Insurance and Beyond

If you’re a truck driver, it’s crucial to have the right insurance in place to protect yourself and your business in case of accidents or incidents. One essential coverage is primary liability insurance, which is mandated by law for all commercial truck drivers operating in the US. Elite Insurance and Beyond can help you understand primary liability insurance and tailor coverage to your specific trucking needs.

What is Primary Liability Insurance?

PLI is the most basic form of commercial truck insurance, and it covers the cost of property damage and injury inflicted on others in an accident caused by a truck. It’s a mandatory insurance policy by law for all commercial truck drivers operating in the US.

What Does PLI Cover?

Primary liability insurance covers damages to any vehicles your driver may damage if they are responsible for an accident. It also covers medical bills for anyone they may injure in an accident, funeral expenses for any fatalities that occur during a crash, and damages done to the road or environment after a collision.

What PLI Does Not Cover?

This basic insurance only caters for damages and injuries done to other parties involved in an accident caused by your truck. The coverage of this insurance doesn’t accommodate damages caused by fire, vandalism, disaster or even theft to your truck or cargo.

Complementary Policies for Full Coverage Due to the limited coverage provided by PLI, it’s advisable to purchase extra policies that will ensure your trucks are fully covered in the event of an accident or other incidents. Adding complementary policies such as non-trucking liability, physical damage coverage, motor truck cargo, trailer interchange, and comprehensive insurance will give you peace of mind and help you file a truck insurance claim when involved in an accident, and your truck is damaged.

Trucking businesses need primary liability insurance, and Elite Insurance and Beyond can provide the best coverage options for your business. Get in touch today to learn more and request a free rate comparison.