WE WORK HARD TO MATCH YOUR INSURANCE NEEDS WITH A POLICY THAT INCLUDES EVERYTHING YOU ARE LOOKING FOR AT A FAIR PRICE
Finding the right insurance for your business can often be a complex issue. At Bridge Insurance Group, we rely on our decades of experience to pinpoint the insurance coverages specific to you and your business needs. We do this for all of our customers. Run your business and leave the insurance complexities to us!
General Liability Insurance
General Liability Insurance can help cover legal expenses when your business is sued over third-party injuries, property damage, advertising injuries and more.
This insurance covers equipment, signage, inventory, and furniture in the event of a fire, storm or theft.
Excess Insurance expands the policy limits of existing types of insurance.
Business Auto Coverage
If an employee driving one of your vehicles damages another car or injures someone, your Business auto insurance policy would generally pay the costs you are liable for, up to your policy limits.
Protects freight located at specified terminals in the event of a loss. Usually, there are time limitations related to this coverage. For example 72 hours maximum per specified load. If the goods are stored longer than the terminal time, you would most likely want to purchase “Warehouse Legal” coverage. Again, it is very important to read your policy. This amount of coverage is dependent on the total amount of goods stored/docked/off-loaded at any one time.
Covers damage/loss to freight in transit. This coverage can have many exclusions such as an unattended vehicle, maximum theft limitations on target commodities such as garments, liquor, electronics and a whole host of others. It is very important to read this policy closely in the event you think you may be covered for something and you are not.
Insurance is coverage for your truck and trailer. Your premium is based on the value of your equipment (usually a percentage of the value). This coverage is not required by law, but if you finance your vehicle, the lienholder will require it. It is important to insure your vehicle for the real value, not over or under the value of the vehicle as the insurance company will only pay market value at the time of the loss.
Primary Auto Liability
Insurance is required by federal regulations. Every carrier must carry liability insurance on every rig, even on leased units. Liability insurance protects you when a third party is injured in an accident. Owner-operators should ask when leasing onto a company who will pay for their insurance – the company or from weekly driver settlements.
Hired & Non-Owned Auto
This coverage offers liability protection for third-party injuries or property damage caused by you or your employees while driving a rented or personal vehicle for company business.
Coverage protects goods stored at specified locations in the event of a loss. For example, as coverage relates to theft, fire, or sprinkler damage. This amount of coverage is dependent on the total amount of goods stored at the location at any one time.
Insurance pays for an accident when the driver/truck is not under dispatch. The coverage is sometimes referred to as “deadhead coverage” or “bobtail liability.”
Non-Owned Trailer Liability
Coverage protects the trailer you are pulling for someone else.
Coverage protects a trailer you are pulling when there is an interchange agreement in force. For example– with a steamship line.
Directors & Officers Insurance
Can protect directors and officers of corporations and organizations if there is a lawsuit claiming they failed to conduct business with proper regard for the rights of the shareholders or others.
Employment Related Practices Liability
Can cover damages for violating an employee’s civil or legal rights.
Workers’ Compensation Coverage
Covers medical treatment, disability, and death benefits in the event an employee is injured or dies as a result of his work with your business.