Commercial Truck Insurance in Kentucky – One Call or Click Is All It Takes!
Do you own a business and need Commercial Truck Insurance in Kentucky? If so you are in the right place! We offer Commercial Truck Insurance throughout the United States.
We insure every type of Commercial Truck and other Commercial Vehicles including Big Rigs, Tow Trucks, Dump Trucks, Hot Shotters, Car Haulers, Nonmedical Emergency Transportation, Taxis, Limos, and much more!
Get in touch with the Kentucky Commercial Truck Insurance Specialists one of three ways: by dialing 1-800-998-0662, sending us an online quote request, or using our chat system available seven days per week.
Pathway Insurance offers highly competitive programs for new business ventures, existing companies in business for three years or more, and companies with multiple tickets and accidents (High Risk Commercial Truck Insurance).
Click on High Risk Kentucky Truck Insurance if you are being canceled by your current insurance company or getting rejected by other insurance companies.
Click on Tow Truck Insurance Kentucky if you own a traditional recovery company, road side assistance, or a company specializing in repo operations.
Click on Owner Operator Insurance Kentucky if you drive a Big Rig in need of a better deal on Semi Truck Insurance in Kentucky.
Click on Dump Truck Insurance Kentucky if you haul sand and gravel, debris for hire, or you are a landscaper (no options for farm or personal usage with our company).
Are you an expediter or Hot Shotter? Click on Hot Shot Insurance Kentucky right now for quotes.
Need Car Hauler Insurance Kentucky? We offer coverage for all sizes.
Have a contract with a Social Service Agency, Medicare, or a Nursing Home? We offer great rates on Kentucky Non Medical Emergency Insurance.
Insurance for Taxis in Kentucky and Limo Insurance Kentucky are fast and easy when you click our links.
Commercial Truck Insurance Kentucky — Why Choose Pathway?
We make it very easy to help you find the exact coverage you are looking for and we do it better than our competitors while at the same time helping you find super low premium quotes to help your bottom line.
In addition, we represent a number of companies that offer Commercial Trucking Insurance in Kentucky and throughout the country whereas many local agents are generalists in nature, not specialists.
What is a generalist insurance agency? One that does it all. They sell car, home, life, and business insurance occasionally. You’ve heard the expression “jack of all trades, master of none.”
In contrast, Pathway is a specialist in seven commercial industries only, with trucking being our largest specialty.
While it’s true we also offer auto and home insurance, we do this as a convenience only to our business clients so that everything can be cared for under one roof.
Isn’t that what you want as a business owner? Convenience and awesome service?
That’s exactly what you will get if you choose Pathway Insurance as your agency to care for your Kentucky Commercial Insurance needs.
In addition, we offer the following services we know you will value and appreciate:
- 7 day per week service on your policy
- Certificates of insurance within minutes in most instances
- Automatic re-shopping of your account before your renewal
- Educational videos on trucking
- Lightning fast service compared to our competitors
- Friendly, helpful staff
- Awesome rates on commercial trucking and vehicle insurance
Commercial Truck Insurance Kentucky — What You Don’t Know Can Hurt You.
Many Truckers, including Tow Companies, Hot Shotters, Owner Operators, Dump Truck companies for hire (including Landscapers), and others have a misunderstanding about what they can or can’t do with their insurance coverage.
Let’s consider a hypothetical claim scenario to see how would everything play out:
A Tow Truck Company Owner employs a driver, fails to list them on their commercial insurance policy, and, afterwards, that driver causes an accident.
Would the policy pay?
Let’s visit that scenario to find out.
Commercial Truck Insurance Kentucky — Yomama Towing Part 1
Yomama Towing has been offering roadside service and quite a bit of repo work from local buy here pay here lots and other finance companies for years.
Yomama Towing is owned by Veronica Valkyrie, a tough-as-nails country girl raised by her aunt and uncle after her parents abandoned her as a child.
Veronica uses her good looks and charm to grow her business, along with clever and provocative social media posts to brand her company. Her Social Media Branding slogan catches on and Veronica’s business grows so fast she experiences some typical growing pains that many companies do.
Her biggest challenge is finding stable drivers. The economy is booming and it has become more difficult to find reliable drivers so she pays her guys more than the usual percentage of tow work compared to her competitors.
Still, it is hard to find good people and often Veronica finds herself out on the road driving one of her trucks, as some of her more unreliable drivers call off sick on a regular basis (even though she knows they were perfectly okay at the bar the night before).
Even Veronica’s top driver, Danny Fusco, has had plenty of drama in his life. He always seems to get into fights at bars and other minor trouble with the law, not counting the never-ending feuds with his latest girlfriend. Veronica can’t seem to keep it all straight so she wisely avoids even discussing it with Danny.
Despite his drama, Danny is her best driver— getting to the scene of accidents first and seeming to have a sixth sense about when to grab a vehicle at the best possible time for the repo jobs they take on. Danny grosses more in business than any other driver on her payroll by three times. He is her best money making driver.
Commercial Truck Insurance Kentucky — When Drivers Go Wild!
Veronica was just thinking one Sunday morning how she wished she had three other drivers just like Danny. She was just heading out to the store when she received a call.
Veronica sees that it is Danny on her caller ID. She answers his call teasingly.
“I was just thinking, Danny, how I probably need three more drivers just like you. What’s up?” Veronica playfully states.
“This ain’t Danny,” an unfamiliar female voice states, “this is Danny’s mom, June.”
“Oh.” Veronica hesitates momentarily. “What can I do for you, June?”
June blurts out, “Danny is in trouble, Veronica, and he said to call you to see if you could advance him his next paycheck to make bail. I don’t have enough money to bail him out this time.”
Veronica is not necessarily surprised Danny is in jail as she asks the obvious question, “What happened, June?”
“As near as I can tell from what Danny said, he got into a dustup with somebody at the 52 Bar and he followed them in his work truck and got into an accident.”
Veronica interrupts June quickly. “He was in one of my trucks and wrecked it? Why is he in jail?”
“Well…” June hesitates before spilling the beans, “he got charged with some kind of road rage arrest in the truck.”
“What happened, June? Stop beating around the bush. Spit it out!” Veronica demands quickly.
“He wrecked into the man’s car he was chasing in his work truck and put him in the hospital.”
“How bad is it, June?” Veronica counters.
“Oh, I don’t think the man Danny hit is hurt bad. He’s just playing it up for the insurance money, you know. That law firm “Dewy Cheat Them and How” that advertises on TV all the time has already called me asking about Danny’s commercial auto insurance.”
“June, did he jack up my wrecker?” Veronica states.
“I don’t know anything about that. The sheriff told me they took Danny’s work truck over to the impound lot.”
Veronica knows exactly where the impound lot is – off main street – as they frequent this location almost daily.
After taking that in, Veronica tells June, “I don’t know about advancing Danny his paycheck. He hasn’t got any money coming to him. He just got paid on Friday for what he was owed. Let me get back to you in a little bit.” Before June could respond, Veronica hangs up the phone angrily.
“Just great, Danny. I am not bailing you out” she says out loud as she heads down to the impound lot to see the extent of the damage to her wrecker.
You can learn more details about Veronica and the insurance claim Danny caused in his work truck when you click this link: Tow Truck Insurance Kentucky.
Commercial Truck Insurance Kentucky — Getting to Know Your Policy and Coverage Is a Good Idea.
In the fictitious claim scenario above involving Veronica’s top driver, Danny Fusco, he apparently used his work truck as an instrument of road rage.
You can find out more details by reading part two of our story about Yomama Towing in Tow Truck Insurance Kentucky.
Would an employee using a work vehicle in a road rage incident be covered by your commercial insurance? That’s a great question because if it isn’t covered by insurance, you as the employer could be held responsible for the actions of your employees, even if it’s after normal business hours, because they used your vehicle to cause the incident.
Getting to know what your policy covers you for and what it doesn’t cover you for can only be achieved by reading your policy thoroughly from cover to cover.
Now, it is true that reading insurance documents can be confusing and boring. Some people might find it more exciting to watch paint dry on the ceiling than reading an insurance policy but it must be done and you must do it as the business owner.
Don’t simply purchase your policy, file it away, and hope you never have to use it.
Just as you are responsible for your own individual actions, you can be held liable for the actions of your employees.
In addition, courts have consistently ruled that policyholders are responsible for reading their policy documents and understanding what is covered and, more importantly, what is not covered.
The excuse, “I didn’t know that was not covered by my policy” will not work in most cases. A business owner that casts blame on their insurance agent, blaming him or her for the business owner’s lack of coverage, will not get very far.
It is up to you individually to take on responsibility to understand what your insurance covers.
That would be the most important piece of advice we give any policyholder.
Commercial Truck Insurance Kentucky — Contact Us for Commercial Insurance.
Pathway Insurance is a leading independent agency offering Commercial Trucking Insurance in Kentucky, Ohio, Indiana, Michigan, Illinois, Minnesota, Wisconsin, Colorado, Michigan, Missouri, Alabama, Tennessee, Virginia, West Virginia, Georgia, Florida, Texas, Arizona, New Mexico and Alaska.
Call us by dialing 1-800-998-0662, use our convenient chat system by clicking Chat with Us, or send us your request using our online quote submission system that you see below:
Click on High Risk Kentucky Truck Insurance if you are being canceled by your current insurance company or being turned down by other insurance companies.
Click on Tow Truck Insurance Kentucky if you offer roadside assistance or you specialize in repo work.
Click on Owner Operator Insurance Kentucky if you need a better deal on Semi Truck Insurance in Kentucky.
Click on Dump Truck Insurance Kentucky if you haul sand and gravel, debris for hire or you own a landscaping company. (Sorry there are no options for farm or personal usage with our company if you own a dump truck)
Are you an expediter or Hot Shotter? Click on Hot Shot Insurance Kentucky right now for quotes.
Need Car Hauler Insurance Kentucky? We offer coverage for all sizes no matter if you’re driving a tractor-trailer or a regular truck.
If you have a contract with an agency and you want to offer transportation to senior citizens or the disabled we offer great rates on Kentucky Non Medical Emergency Insurance.
Insurance for Taxis in Kentucky and Limo Insurance Kentucky are fast and easy when you click our links.
We offer great rates across the state of Kentucky and fantastic customer service.
Why not give us a call today?