Coverages

MIG offers a wide range of insurance programs tailored to meet your company’s specific needs. Our coverages include Commercial Auto Liability, Physical Damage, Motor Truck Cargo, General Liability, Bobtail Insurance, Workers’ Comp, Occ/Acc, and more.
Please reach out for more information.

POLICIES

COMMERCIAL AUTO LIABILITY

Primary Auto Liability covers injuries to other drivers and vehicles. It also covers accidents that cause damage to public property. State and federal agencies require a minimum of $750,000 combined single limit. Most brokers require you to carry at least $1,000,000 in coverage, so we recommend higher limits. In addition, Hazmat or specialized operations may require higher limits.

PHYSICAL DAMAGE

Physical Damage covers your truck and trailer. This coverage breaks down into both Comprehensive and Collision insurance. Comprehensive coverage protects against non-collision damage to a vehicle or object. Also, it includes if your vehicle is stolen. Collision coverage protects if the vehicle is damaged in an accident.

MOTOR TRUCK CARGO

Motor Truck Cargo protects the transporter from their responsibility in the event of damaged or lost freight. We tailor this coverage to meet the specific needs of your operation or typically hauled commodities. Furthermore, most brokers require that you carry at least $100,000 in coverage. It is important to note that higher limits can be required for specialized operations.

GENERAL LIABILITY

General Liability protects injuries or property damage caused by business activities unrelated to operating the truck. This policy includes:

ADDITIONAL COVERAGES

Occupational Accident | Workers’ Compensation | Bobtail Insurance
Brokerage Insurance | Surety Bonds | Excess Umbrella