FOR-HIRE TRANSPORTATION Insurance Colorado

For-hire truckers are more than drivers—they’re business owners. You spend your life on the road. Whether you are owner/operators, drivers operating company-owned vehicles, or any other trucker for hire, we’ll help you keep your businesses running strong with our For-Hire Transportation Program. From Non-Trucking Liability to Physical Damage and more, we offer the key commercial coverages needed to
protect you no matter where the run is, local to long haul or anywhere in-between—even when your off the clock.
Build your business with broad acceptability of vehicles and drivers

Business:

• General freight
• Agricultural hauling
• Household movers
• Expediters
• Refrigerated goods transport
• Escort services—trucks and autos
• Auto haulers and more

​Vehicles:

• Tractor and trailer combinations
• Straight trucks
• Refrigerated trucks and trailers
• Flat beds
• Stake trucks
• Sprinter vans and more.

​Did you know?
•It can take a week to get a stand-alone cargo quote from a broker. Get a quicker quote with our Truck Cargo coverage. Because it’s treated as an endorsement rather than a stand-alone policy, there’s no separate quote needed. Plus, it’ll close gaps in coverage which will speed up payment in case of a claim.
•That towing a heavy truck from an accident scene can cost thousands. And while many truck
insurance providers limit towing expenses to the vehicle stated amount, our coverage does not. We’ll cover the cost to tow your truck to a qualified repair shop nearest the accident.
•In the event of a claim, you have a option of using our Heavy Truck Repair Network shops. Repairs begin right away and are covered by our limited lifetime repair guarantee.

Less paperwork, more profit and save time and effort, with our wide range of discounts and payment options: 

​Stackable discounts
• Paid In Full
• Business Experience
• Commercial Driver’s License

​Faster, easier payments
• Direct billing
• Flexible installment plans
• Low initial payments
• Online and phone payments
• Check, credit, money order,
EFT accepted

Fast, free filing support:
When it comes to filings, let us take the wheel. If your trucking company needs a filing,
we’ll issue all the state and federal filings you need to stay legal, no matter where you
run. In most cases, we’ll submit the filing that same day—so  you truckers can get on the
road, and in business, fast.
It’s important that when applying  for a filing, you list all commercially owned and-
operated vehicles—as well as all vehicles running under their authority—on the
policy. If you have questions, give us a call and we’ll walk you through the whole process.

Key For-Hire Transportation coverages

Primary Liability:
• We offer limits up to $2 million—plus, we transmit state and federal filings promptly to get you in business fast.

Non-Trucking Liability (NTL)*:
• When truckers are under permanent lease to a
motor carrier that provides their Primary Liability
coverage, NTL provides liability coverage while they use their truck for most non-business, personal use. NTL will not provide coverage when you are hauling any type of cargo, whether you are being paid or not, or coverage for any activities deemed to benefit the motor carrier.

Motor Truck Cargo:
• Helps truckers cover the value of the cargo they
haul as well as additional costs, such as debris removal, earned freight charges and
more with separate limits and no additional deductible.

Motor Trucking General Liability (GL):
• Helps professional truckers meet a contractual requirement with GL—which pays for
damages caused by them when they’re not driving.

Rental with Downtime:
• Helps truckers get a temporary rental if their vehicle’s down due to a covered cause of
loss; if a replacement can’t be found, it pays them up to the daily maximum limit to
help cover expenses—even if they can’t work.

Motor Truck Cargo Refrigeration Breakdown:
• Provides truckers with legal liability protection for a loss due to accidental breakdown
of refrigeration or heating units.

Permanently Attached Equipment:
• Provides additional coverage for equipment, such as loaders and tarping systems,
when included in the stated amount.

Comprehensive Only:
• Makes it easy for to continue limited coverage while storing a vehicle during the off-season.

​Trailer Interchange:
• Provides Physical Damage coverage to any non-owned trailer a trucker is using—normally required when hauling a trailer under a Trailer Interchange Agreement.

Contact Sterling Peaks Insurance for more information and ways to help keep your Business Protected.