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Customer Claims & Policies
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TEC Equipment – Insurance is a full-service commercial truck insurance agency committed to offering you the highest quality commercial trucking insurance products.
Whether you manage a fleet, are an owner-operator, or run a shop, TEC Equipment – Insurance will help you get ready for the risk ahead. Is your insurance ready?
Primary Liability
This coverage option protects you from damage or injuries to other people as a result of an accident. Primary liability coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them.
Physical Damage
This insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.
Cargo Coverage
Cargo insurance protects you in the event of damage or loss of freight while the cargo is in your care, custody, or control. The policy is purchased with a maximum load limit per vehicle.
General Liability
This coverage provides protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract. Our company can offer you general liability as well as other commercial liability coverage.
Non-Trucking Liability
Non-trucking liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC-regulated carrier. It provides limited liability protection when the owner-operator is not under dispatch, nor pulling a loaded trailer.
TEC Equipment – Insurance is licensed to insure trucks garaged in 11 western states while supporting interstate long-haul operations in all 48 continental states and Canada.
Contact an agent to find out how TEC Equipment - Insurance can support your operation today.
The type of truck insurance you need depends on several factors, including the state you operate in, the number of trucks in your fleet, and the type of cargo you transport. Typically, all carriers should have commercial auto liability, motor truck cargo, physical damage coverage, non-owned trailer, or trailer interchange coverage.
If you plan to operate in multiple states, you will need to obtain a permit from the Federal Motor Carrier Safety Administration (FMCSA).
Different trucking insurance providers maintain different cancellation policies. Many do impose a “Pro Rate Cancellation.”
Removing a truck from your insurance policy typically requires that you sell it, if you own it, or terminate a lease, if you are leasing it. Proof of sale/total out that is acceptable must be provided to remove a truck.
Definition: NTL protects truck owners or owner-operators from accident liability anytime the truck is on unofficial business. Non-trucking liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC-regulated carrier. It provides limited liability protection when the owner-operator is not under dispatch, nor pulling a loaded trailer.
Business Use Excluded: It does not cover business-related activities.
TEC Equipment – Insurance customers can file a claim by contacting their agent. Our dedicated agents are ready to assist you through the claims process, ensuring a smooth and efficient experience. Reach out to your agent directly to start your claim and receive the support you need.
Access your proof of insurance quickly and conveniently with our online service! You can now send your certificate of insurance to brokers and companies even after normal agency business hours. This feature ensures that you have the flexibility to provide necessary documentation at any time, allowing you to meet deadlines and respond to requests without delay.
