At Lawrence Insurance, we understand the importance of an affordable, well-rounded commercial truck insurance plan. Our experts can put together a custom package that suits your insurance coverage needs, from liability and EPLI, all the way to crime insurance. Lawrence Insurance stands for superior truck insurance coverage at affordable rates!

Primary Liability

A standard when it comes to safety, primary liability insurance is necessary for any operator and covers the following:

• Legal liability due to ownership, maintenance, or use of an insured truck
• Compensation damages for bodily injury or property damage that the insured is responsible for
• Legal defense costs

Property Coverage

If you own a truck or tractor, chances are you want to protect your investment. Physical damage coverage provides coverage for the following:

• Vehicle protection in case of an accident
• Repair or replacement costs for accidents
• Repair or replacement costs in the event of over-turning

General Liability

During the course of employment, if an employee is injured on the job, you are protected against liability. This insurance is necessary if:

• You wish to protect your employees and business
• You need coverage for law defense if an employee is injured on the job

Workers Compensation

During the course of employment, if an employee is injured on the job, you are protected against liability. This insurance is necessary if:

• You wish to protect your employees and business
• You need coverage for law defense if an employee is injured on the job

Umbrella or Excessive Coverage

If, due to certain circumstances, primary liability coverage is insufficient, this type of coverage may be right for you. This insurance can be beneficial to the following circumstances:

• Unexpected events due to circumstantial matters regarding transportation companies
• Excess liability coverage needed to protect higher limits of assets not covered by regular liability

Bonds

Many companies are required to provide proof of minimum liability insurance to the state. Bond insurance also covers:

• Fuel taxes
• Motor carrier authorities

Crime

Commercial Crime Insurance protects your company from fraud, theft, forgery and other types of crime. This protection covers your company if, for example, employees decide they are entitled to the company's inventory, or if a thief robs you of your cash. Working through such losses takes time and money - resources that would be better spent running your business.

• Business Crime Insurance offers coverage for the following:
• Employee dishonesty
• Forgery or alteration
• Theft of money and securities
• Burglary or robbery
• Computer fraud

Employment Practices Liability Insurance (EPLI)

Employment practices Liability Insurance (EPLI) is a relatively new form of liability insurance. It provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), and wrongful termination of employment (along with all related allegations). Now your entire firm, including directors and officers, is protected

What EPLI Covers

EPLI covers defense costs, judgments and settlements (up to the policy limits) for the corporate entity, former and current employees, directors, and officers. It covers a variety of workplace-related legal actions, including:

• Discrimination
• Sexual harassment
• Wrongful termination
• Breach of employment contract
• Negligent evaluation
• Failure to employ or promote
• Wrongful discipline
• Deprivation of career opportunity
• Wrongful infliction of emotional distress
• Mismanagement of employee-benefits plans

EPLI policies do not cover workers' compensation, bodily injury or property-damage cases, nor do they cover cases that another insurance policy specifically covers.

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