09/26/2026
I spent seven years handling claims for trucking companies before moving to the producer side. The hardest conversations were never about accidents. They were about coverage the owner thought they had.
Here's what many business owners don't realize: courts have long recognized a duty to read. Once you receive your policy, you're generally presumed to know what's in it. "My agent told me I was covered" or "I never saw that exclusion" rarely overrides what's written on the page.
Your insurance policy is a contract. You wouldn't sign a lease or a load agreement without reading it. Your policy deserves the same attention, because it decides whether a bad day stays a bad day or becomes the end of your business.
In trucking, these are the details that most often catch people off guard:
🚛 Scheduled vs. any auto. Is that new truck covered before you add it?
👤 Driver lists and exclusions. Is the driver behind the wheel actually approved?
📍 Radius and territory limits. Did your lanes change since you bound coverage?
📦 Cargo exclusions. Unattended vehicles, re**er breakdown, and commodity restrictions matter.
📋 Claim reporting conditions. Late notice can put a covered loss at risk.
My job is to find the right coverage and explain it clearly. But you know your operation better than anyone. Only you can spot when the policy doesn't match how you really run your business.
So read your declarations page, your exclusions, and your endorsements. Then ask questions. There are no dumb ones, only expensive surprises.
Read it before you sign it. Ask before you need it.
