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Tag: Bobtail Insurance

  • Top 5 Mistakes Truckers Make That Increase Insurance Costs — And How to Avoid Them 

    Running a trucking business is all about balancing costs, and insurance can be one of your biggest expenses. The good news? Many truckers have the opportunity to save big just by avoiding a few common mistakes! At Logrock, we help carriers and owner-operators stay protected — without breaking the bank. Let’s break down five common mistakes that can drive up your premiums and how to steer clear of them.

    1. Neglecting Regular Maintenance

    Skipping routine maintenance can lead to unexpected breakdowns, failed inspections, and accidents — all of which raise your insurance rates. Even small issues can snowball into costly claims if left unchecked.

    🔧 Fix it: Create a preventative maintenance schedule and stick to it. Catching problems early not only keeps your trucks safe but also reduces the risk of insurance increases.

    2. Ignoring CSA Scores

    Your Compliance, Safety, Accountability (CSA) score is a key factor insurers look at when setting your premiums. High scores from frequent violations or failed inspections signal higher risk, leading to higher insurance costs.

    📊 Fix it: Prioritize driver training, keep thorough inspection records, and aim for clean roadside inspections. The lower your score, the better your insurance rates.

    3. Hiring High-Risk Drivers

    Bringing on drivers with a history of accidents, violations, or DUIs can drastically inflate your premiums. Even one high-risk driver on your roster can make your entire fleet more expensive to insure.

    👀 Fix it: Screen drivers carefully with background checks and MVR reports. Invest in ongoing safety training to help your team keep their records spotless.

    4. Carrying the Wrong Insurance Coverage

    Paying for unnecessary insurance coverage — or worse, not enough coverage — can hurt your bottom line. Being underinsured might save you a few bucks on premiums, but one major accident could cripple your business.

    🛡️ Fix it: Work with a trucking insurance expert (like Logrock!) to review your policy annually. We’ll make sure you’re properly covered without paying for anything you don’t need.

    5. Not Shopping Around for Better Rates

    Loyalty is great, but sticking with the same insurer year after year without checking for better options might mean you’re missing out on savings. Rates increase over time, and new discounts become available.

    💡 Fix it: Get quotes from multiple providers before your renewal date. At Logrock, we help truckers compare options and find the best coverage for the best price across multiple providers — no guesswork, no hassle.

    Ready to save? Check out How To Save Big On Coverage: Your Cheat Sheet From LogRock

    Insurance doesn’t have to drain your profits. By avoiding these common mistakes and working with a team that understands the trucking industry inside and out, you can keep your coverage strong and your costs low.

    Let Logrock help you find affordable, reliable coverage tailored to your business.

  • Trucking Insurance 101: What Coverage Do You Really Need?

    When you’re hauling freight across state lines, you’re doing more than driving — you’re running a business. And just like any business, protection matters. That’s where the right truck insurance comes in.

    Whether you’re an owner-operator, lease-on driver, or a small fleet manager, understanding the different types of trucking insurance is key to staying legal, safe, and financially protected.

    At Logrock, we specialize in helping drivers and carriers find affordable, compliance-ready insurance coverage tailored to how they work. Here’s your guide to the most essential types of commercial truck insurance — explained in a quick, FAQ-style breakdown.

    ❓ What Is Primary Liability Insurance?

    Primary Liability Insurance is required by federal law for all motor carriers. It covers damage or injuries you cause to other people or property while driving your truck.

    It does not cover your own vehicle or cargo but keeps you compliant with FMCSA regulations.

    ❓ What Is Physical Damage Coverage?

    Physical Damage Coverage protects your truck and trailer from damage caused by accidents, theft, vandalism, or natural disasters.

    This is essential if you want to repair or replace your equipment after a covered event.

    ❓ What Is Motor Truck Cargo Insurance?

    Motor Truck Cargo Insurance covers the freight you’re hauling. If it’s damaged, lost, or stolen during transport, this insurance helps cover the cost.

    Shippers and brokers often require this policy, especially for high-value or sensitive loads.

    ❓ What Is Bobtail Insurance?

    Bobtail Insurance provides liability coverage when you’re driving without a trailer—either between loads or after a drop-off.

    It’s a must-have for drivers operating under another carrier’s authority.

    ❓ What Is Non-Trucking Liability (NTL) Insurance?

    NTL Insurance covers your truck when you’re using it for non-business purposes, like personal errands or off-duty driving.

    It’s often confused with bobtail insurance, but NTL kicks in only during personal use.

    ❓ What Is General Liability Insurance?

    General Liability Insurance protects your business from non-driving risks—like injuries at a delivery site, damage at a loading dock, or legal claims unrelated to an accident.

    This is crucial coverage for fleets and owner-operators working in complex or high-volume operations.

    ❓ What Is Workers’ Compensation Insurance?

    Workers’ Compensation Insurance covers medical bills, lost wages, and rehab costs if an employee gets hurt on the job.

    Required in most states if you have drivers or staff on payroll.

    Need Help Choosing the Right Coverage?

    Every trucking business is different. Whether you haul regionally or coast-to-coast, run one truck or a dozen, your policy should fit how you operate. At Logrock, we help truckers build smart, affordable insurance plans that check every compliance box—and keep your business protected mile after mile.

    🔒 Ready to review your policy or get a fast quote?
    Get Covered with Logrock in minutes!