Commercial Auto—Are Trailers Covered Under Commercial Auto? 

Whether trailers are covered under a commercial auto policy is a common question among business owners.

Commercial auto insurance is designed to provide coverage for vehicles used for business purposes. But when it comes to trailers, the coverage can vary based on several factors:

• Policy specifics—The extent to which a trailer is covered depends on the policy’s terms. Reviewing your policy or consulting with your insurance provider to understand the specifics is essential.
• Type of trailer—Different trailers, such as flatbeds, utility trailers or semi-trailers, may have different coverage requirements or limitations.
• Usage—How and for what purpose the trailer is used can influence coverage. For instance, a trailer used to transport goods might be covered differently than one used for moving equipment.

Key Considerations for Trailer Coverage

When evaluating your commercial auto insurance in relation to trailers, consider the following:

• Liability coverage—This may help cover damages or injuries to others if your trailer is involved in an accident while attached to the insured vehicle.
• Physical damage coverage—Separate coverage may be necessary to protect the trailer from damage or loss due to accidents, theft or vandalism.
• Detached trailers—It is vital to understand how your policy addresses trailers when detached from the insured vehicle. Coverage may vary in these situations.

Why It’s Important to Review Your Coverage

Regularly reviewing your commercial auto insurance policy ensures that your coverage aligns with your company’s current needs and risks. It’s imperative if your company’s usage of trailers evolves or if you acquire new types of trailers.

Texas companies must maintain minimum amounts of commercial auto liability insurance to comply with state laws. Your agent can help you get appropriate insurance for your company’s vehicles and attachments.

Contact Us

Castillo Insurance & Income Tax Service is here to assist companies in Balch Springs, Texas, with questions about how trailers are covered under commercial auto insurance. Our knowledgeable team can provide the information and guidance you need to protect your company’s financial stability.

For a comprehensive review of your commercial auto insurance or to get a quote, contact Castillo Insurance & Income Tax Service today. We’re committed to helping you understand your insurance options and find the coverage that best suits your company’s unique needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.