Small Fleet Insurance

If your trucking business has two or more vehicles, and they are driven by different drivers, you need specialized small fleet insurance. Every business has unique insurance needs. It is important to find an insurance provider that can meet them. That is why it is best for you to contact a Southern Insurance Advisors. An independent agent will work with you to evaluate risks associated with your business and write a policy that makes most sense in your situation. And the best part is that you will get the best rates! Agencies work with multiple insurance carriers and compare their quotes to get the lowest one.

Hazmat Truck Insurance

Southern Insurance Advisors Hazmat Truck Insurance program is designed for hazardous material or waste transporters, including pollution coverage.
Hazardous materials hauling is highly regulated by state and federal laws in order to ensure public safety. Additional restrictions are imposed on such hazardous freight regarding how it can be transported and what type of insurance policy can be used. Depending on the class of hazardous materials hauled, hazmat trucks are mandated by law to provide insurance liability from $1,000,000 to $5,000,000 per accident. Imagine the huge costs of damages if a fuel tanker explodes on a busy highway and you will understand why.
Southern Insurance Advisors, as a leading provider of hazmat truck insurance policies, understands the unique safety concerns of the companies engaged in the transportation of hazardous materials and hazardous waste. We have both the expertise and the infrastructure to offer superior insurance products and services that not only meet the safety-sensitive requirements of this industry but also exceed our customers’ expectations.

Pollution Liability (CA9948)

this endorsement provides coverage for cleanup expenses due to an accident, including damages arising out of the discharge of pollutants which are in, upon, owned, being transported by, loaded or unloaded from a covered auto. Every well-designed hazmat truck insurance policy should contain this provision.


you can add downtime coverage to your physical damage policy to provide added protection against lost income if you have a covered loss. Downtime coverage can help you keep your truck payment and other bills current if a covered loss renders your vehicle inoperable for an extended period of time. Most of our carriers offer downtime limits of $100 per day up to 35 days, subject to policy limitations.

Truck Rental Reimbursement

having a collision or comprehensive loss doesn’t mean you have to stop working. When you add truck rental reimbursement coverage to your physical damage policy you can rent a replacement truck and trailer and receive reimbursement for a large part of the rental cost.

Loan or Lease Gap

sometimes trucks and trailers depreciate faster than the equipment financed value. Loan or lease gap coverage can help assure that a total vehicle loss does not leave you “upside down” on your loan or lease.

Combined Deductibles

this coverage allows you to pay only one deductible in the event a loss occurs involving both physical damage and cargo.

Loading & Unloading

provides cargo coverage for the commodity while it is being loaded or unloaded.

Medical Payments or Personal Injury Protection

pays medical and other expenses to driver and the passengers in your vehicle who are injured during an accident, regardless of fault.

Hazmat Hauler’s General Liability

provides liability coverage for non-trucking related claims, such as wrongful delivery of liquids. Often required by contract.

Excess Liability

provides an additional layer of liability coverage in excess of the hazmat trucker’s primary liability limits, up to $50,000,000.

Collision & Comprehensive

to protect your tractor and trailer against collision or from upset, overturn, fire, theft, vandalism, and other causes of loss.

Semi-truck Insurance

Semi-trucks have become the kings of the road a long time ago and they still are. In the United States, big rigs transport most of all cargo. That is why 18-wheelers generate great profits for their owners, no matter if they are owner operators or run a company. But it also should be considered that semi-trucks are expensive vehicles and require quite an investment. To protect this investment, as an owner, you should make sure your truck is properly insured. Getting semi-truck insurance can be a lengthy and stressful process if you do it on your own. Without a doubt, you want your coverage to be affordable, but it means shopping around for quotes. Calling one insurance company after another and giving them your information would take a lot of your time. Plus, every company would try to sell you their policy, often without really explaining the terms. To avoid all that, you can work with Southern Insurance Advisors.

Tanker Insurance

Tanker trucks are heavy duty vehicles used for transportation of bulk cargo, liquids and gases. They can be used for many types of cargo, starting with liquids like milk and ending with hazmat. While tanker trucks can generate great income to their owners, it is important to protect them with tanker insurance. Such trucks are not easy to drive because of their high center of gravity. Tanker truck can do extensive damage in an accident, which can lead to costly lawsuits. It is also an expensive vehicle, and repairing or replacing it might become a huge financial burden. That’s why it is so crucial to get reliable coverage for your tanker truck.

As any commercial auto insurance, your tanker truck coverage starts with liability insurance. It is important to carry enough of this coverage for your truck, as liability insurance will pay for the damage and injuries of other people if you are at fault. It will also cover your legal expenses if you are sued as a result of such an accident. Additionally, it is also a good idea to get umbrella insurance, because multi-million lawsuits are not rare when it comes to tanker trucks.

To make sure your truck’s repair or replacement is covered, you should also get physical damage insurance. It consists of two types of coverage. The first one is collision insurance that will pay if your truck has been in a crash, collided with another object or overturned. The second coverage is comprehensive insurance, which will pay for the damage from non-collision incidents.

Car Carriers Insurance

Car carriers are trucks that transport cars and other vehicles. Auto dealers and various businesses, as well as individuals use auto transport services due to its affordability and convenience. As demand on auto shipping keeps growing, car carriers generate great profits for their owners. While an auto hauler truck is a great investment, it comes with specific risks. Vehicles are valuable cargo. Price for a single car can go up to $50,000 or even higher. For that reason, car carriers insurance is important for the company’s (or owner operator’s) financial safety.
When you look for truck insurance, you also want it to be as low-priced as possible. And that does not necessarily mean that you need to call every insurance company. Instead of spending too much time shopping around, you can let Southern Insurance Advisors do it for you.

Bobtail Insurance

If you are a truck driver leasing a truck from a company, you need truck insurance not just for the time you are on duty. Accidents can happen at any time, and that is why companies require that their drivers have non-trucking or bobtail insurance. These coverages are designed to protect you when you are off duty or between terminals, or simply on your way home. Always check with your company what kind of coverage they require of you.
The best way to get the most affordable truck insurance is through a truck insurance agency. Independent agents will compare rates for you to get you the lowest price for your coverage.

Non-trucking insurance or Bobtail Insurance?

Non-trucking and bobtail insurance are terms that are often used interchangeably. Actually, there is some difference between these two.
The more affordable option is non-trucking insurance. It covers you when you are using your truck for non-commercial purposes. It’s your liability insurance when you are off duty.
Bobtail insurance is more flexible. If covers you when your truck is not hauling a trailer, regardless of if you are under dispatch or not. In case of an accident, it pays for other people’s injuries and property damage.

Container Insurance

Containers are widely used in national and international shipping. They carry various types of freight and mostly dry cargo. Container is a special kind of trailer because on its way it can be transferred from a truck to a train, and then to a ship without being unloaded. It is also a reason why it’s not always easy to get container insurance. Not every commercial auto insurance company works with containers, so it can be challenging to find coverage. That is why it is a good idea to contact an insurance agency for assistance. Plus, agents will compare quotes for you so it is a convenient way to get a good price.

Dry Van Trailer Insurance

Dry van is a name of a trailer that does not have special features, such as temperature control. It is a semi-trailer widely used for shipping cargo that does not require any special conditions. If you haul this kind of trailer, you need to make sure you carry proper dry van insurance. Trailer insurance is not included in cargo insurance or truck insurance, so you need to make sure it is taken care of. Does it mean it is another coverage you need to spend time shopping around for? Not necessarily! Contact an insurance agency to get multiple quotes for you. It is the most convenient way to find dry van trailer insurance at the best price.

Flatbed Trailer Insurance

Flatbed trailers can be used for shipping many kinds of cargo, including heavy machinery and large vehicles. That is why they are so commonly used in trucking and many people choose to invest in this kind of trailer. But a flatbed trailer should also be properly insured. There are many situations that can result in costly consequences for a flatbed trailer owner. This kind of trailer has a simple hitch mechanism, so it’s easy to steal. It also tends to fishtail when it is windy. Not to mention, heavy loads that flatbed trailers often haul create additional risks. That is why it is important to get reliable flatbed trailer insurance.

To save time on calling insurance companies and shopping around, you can work with an insurance agency. Plus, a professional agent will help you with advice and understanding all the terms in your policy.

Refrigerated Trailer Insurance

Reefer trailers are commonly used in trucking for shipping cargo that requires special conditions, namely maintaining a temperature level. Typically, reefer trailers ship freight such as produce and food for retail and other businesses. Having such a trailer can be very profitable, but it is important to protect it with reliable coverage. To get the right refrigerated trailer insurance at a low price, it’s a good idea to contact a truck insurance agency. An independent agent can help you with professional unbiased advice and compare quotes from multiple insurance carriers for you.