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Unladen liability insurance policy is often confused with non trucking liability insurance and bobtail liability insurance. In reality, this policy is very different from these two policies. This article will guide you through what unladen insurance is, how much it costs, as well as what are the best unladen insurance companies, and more. Read on and explore!
What is Unladen Insurance?
Unladen liability coverage provides protection from any legal and financial responsibility to third parties; when low bed trucks, semi-trucks, box trucks or any other similar power units – not pulling a trailer or pulling an empty trailer – caused an accident while being used for personal errands or for business purposes.
Why having an unladen insurance certificate is important:
- The coverage can be used to cover low bed trucks, semi-trucks, box trucks, or any other power unit capable of pulling a trailer for interstate or intrastate commerce
- It provides coverage for the legal and financial responsibility to third parties resulting from an accident
- Coverage only applies when such an accident happens while the vehicle in question is not pulling a trailer or pulling an empty trailer and is being used for business purposes or personal purposes.
Factors to consider when buying Unladen Insurance
Coverage Type and Level:
Understand what kind of coverage that unladen insurance provides – which is normally bodily injury and property damage liability when there is no freight on board. Establish the appropriate amount of coverage, like policies worth $500000 or $1million dollars depending on your business interests.
Driving Record:
It is common that people who have a clean driving record will be charged a competitive price relative to the average insurance premium rates in the market. However, people with a few violations or involved in accidents are likely to be charged more.
Type of Vehicle and Usage:
The insurance rate will also depend on the model and the worth of your car. Costs with higher premiums are likely to occur if a vehicle is expensive or specialized because of the high repair prices. Apart from the nature of the vehicle, the purpose of personal use versus commercial use can also affect the rate.
Location of Operations:
The location where you work can also contribute towards the premiums of the insurance. Areas that are urbanized due to several factors, for instance, a higher likelihood of traffic and accidents will generally have higher premiums as compared to rural areas.
Insurance Policy Providers:
Get information regarding different insurance policy providers who possess the qualifications required such as ability to handle customers and the claims. Also compare their quotes
How Does Unladen Insurance Differ From Bobtail and Non Trucking Liability Insurance?
| Feature | Unladen Insurance | Bobtail Insurance | Non-Trucking Liability Insurance |
| Trailer Coverage | With or without | Without | With or without |
| Use Case | Personal and business | Personal (after load delivery) | Personal (not under dispatch) |
| Liability Focus | Third-party damages | Third-party damages | Third-party damages |
| Coverage Limits | Broader scope | Limited to non-hauling scenarios | Broader scope |
Does Progressive Offer Unladen Insurance?
Progressive only offers related coverage, non trucking liability insurance, cargo insurance, and motor carrier insurance.
Additional Coverage You Should Consider
Aside from unladen insurance, you might also find the following insurance policies useful for your business.
Personal Injury Protection Coverage
It covers the driver and passengers who got injured after the semi-truck or any other similar commercial vehicle caused an accident or got involved in an accident. This insurance will pay for medical bills, lost wages, transportation fees, ambulance bills, and emergency treatment
Medical Payments Coverage
Medical payments (MedPay) covers the driver and passengers of a semi-truck. However, it is least comprehensive when compared to personal injury protection because it only covers medical expenses and funeral costs.
Emergency Roadside Assistance Coverage
This coverage, which can be bundled with unladen insurance in a motor carrier policy, will cover the expenditures for battery jump-start, tire repair, gas delivery, tire delivery and replacement, and more.
Motor Truck Cargo Insurance
Insurance companies offering coverage for for-hire motor carriers allow motor truck cargo insurance to be bundled with unladen insurance.
Motor truck cargo insurance allows an owner-operator or for-hire motor carriers to reimburse the losses of clients whose cargo got lost or damaged during the trip as caused by malicious mischief, fire, and other covered perils.
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Workers Compensation Insurance
It provides protection against the resulting expenses when a work-related injury or illness happens. The coverage of workers’ compensation insurance includes the following:
- Hospitalization – it covers hospital bills if an employee needs intensive care. Coverage applies regardless of how costly hospital fees are and where the employee is admitted
- Medication – Expenses for the medicines the attending physician wants the employee to buy is also covered by workers’ compensation insurance
- Rehabilitation – it covers expenses for therapists’ services, equipment, and others if an injured or sick employee needs to undergo rehab to fully recover
- Lost income compensation – Itcompensates lost income if an employee can’t go to work because of a work-related injury or disease.
Unladen Liability Insurance Cost
So how much is unladen liability insurance? Before telling you the estimates, know that the rates depend on different factors. Such factors that affect unladen liability insurance cost are:
- Driving record
- Specialty driving license or certificate (affects cost because having a specialty driving license or certificate affects your eligibility for discounts)
- Radius of operations
- Type of business operations – interstate or intrastate
- Types of goods to deliver
Refer to this bullet showing what does unladen insurance cost:
- Unladen insurance for rv transport costs $95 a month or $1,140 a year for a $1 million coverage
- Trucking businesses pay $98 a month or $1,176 a year for a $1 million unladen truck insurance
- The cost of $500,000 unladen liability insurance policy is $82 a month or $984 a year
- A $1,000,000 insurance for moving businesses is $85 a month or $1,020 a year
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unladen insurance for RV transport: cost
It is important for RV transport operators who want coverage for their vehicles when not engaged in freight hauling. The premiums for this kind of insurance depending on distributors are also different and include type of vehicle, the amount of insurance required and the insurance company itself.
Cost Overview – Monthly and Annual Rates:
According to the policy limitation, one has to pay approximately $95 for unladen insurance for RV transport per month or $1140 yearly for $1 million 1 cover unladen liability insurance.
For unladen liability insurance of up to 500,000 at loss, the amount charged is approximately $82 monthly or $984 yearly. To compare and get cheap unladen insurance quotes, simply click the get quotes button at the top of the page or call through the call button.
Best Unladen Insurance Companies
| Companies | Monthly Rate | Annual Rate | |
| CoverWallet | $43.85 | $526.2 | |
| Gallagher | $50 | $600 | |
| Trinity Insurance | $207.5 | $2,490 | |
| OOIDA | Contact an OOIDA representative for accurate pricing | Contact an OOIDA representative for accurate pricing |
CoverWallet
CoverWallet includes unladen liability on its insurance program for owner-operators, which also offers bobtail liability and non trucking liability policies.
These Policy limits start at $750,000 which is the minimum insurance requirement the Federal Motor Carrier Safety Association wants truck operators to have.
Average cost: $43.85 per month
Annual Rate; $526.2
Our rating: 10/10
Pros
- Policy limit starts at the minimum amount required by the FMCSA
- Has an online quote comparison tool
- The cheapest carrier on our review
Cons
- Policies you buy from CoverWallet are underwritten by its partners
Compare Cheap Unladen Insurance Quotes Online
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Gallagher
Gallagher, a transportation business company, offers unladen insurance with Zurich.
Average cost: $50 per month
Annual Rate; $600
Our rating: 8/10
Pros
- Offers $1 million combined single limit for the insurance
Cons
- Doesn’t provide its own unladen insurance
Trinity
Trinity offers commercial unladen insurance for light to medium vehicles such as camp haulers, automobile haulers, and flatbed haulers.
It has $500,000 and $1 million unladen liability insurance each costing $115 a month and $150 a month respectively. You might like this company as it offers flexible payment options.
Average cost: $207.5 per month
Annual Rate;$2,490
Our rating: 7/10
Pros
- Offers numerous payment options
- Unladen insurance is for light to medium-duty vehicles
Cons
- Expensive
- Doesn’t offer unladen trucking insurance
OOIDA Insurance
OOIDA is an organization that offers insurance solutions to small trucks and startup motor carriers. This company’s unladen insurance is offered together with physical damage coverage, roadside assistance coverage, passenger accident coverage, and many more.
Average cost: Contact an OOIDA representative for accurate pricing
Our rating: 6/10
Pros
- Underwrites different kinds of insurance products useful to motor carriers and owner-operators
- Comprehensive insurance coverage
Cons
- Not an insurance company but an organization for truckers that’s selling insurance solutions
