Commercial Auto Insurance

A flatbed truck is useful for a lot of commercial applications. The biggest issue operators face with liability for flatbeds is ensuring the load is secured correctly. At least with a box truck, you can store everything inside and, if you close and lock the door, cargo won’t go flying out onto the road, causing damage to others’ property or other drivers to crash. Of course, if the product inside a box truck isn’t secured, it could suffer damage, but at least others on the roadway would be safe from spillage. A flatbed is a different story. Tying down the load is critical.

Usually, the operator of a flatbed truck is transporting a single unit or something heavy and bundled together, strapped down. It might be a car, some other piece of equipment, or a roll of fencing material. You wouldn’t want to stack a bunch of bricks on the back of a flatbed without them being housed in a crate or wrapped securely.

Some flatbeds have a lift where the back of the bed can be lowered to allow for easier loading. When insuring the truck for physical damage, we need to know if the vehicle has such additional equipment added. Many commercial insurance companies will cover items differently that are considered add-on equipment. We will need to distinguish between truck and chassis, and additional equipment.

Just like with any commercial vehicle, all drivers must be listed on the policy and be properly licensed according to the size of the vehicle they are driving. An unlicensed, suspended, or unlisted driver causing an accident may void a claim.