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Start Your Own Trucking Business: A Step-by-Step Checklist

Ready to start your own trucking business? This step-by-step guide walks you through the tasks involved from idea to launch.  Atlantis Insurance Inc. in West Palm Beach, FL is here to help. 

Starting Your Own Trucking Business

  1. Draft your business plan. You can find free business plan templates by searching online and then working through each section thoughtfully. As you draft your business plan, you’ll have the opportunity to create a mission statement, forecast your first-year financials, and set goals for your first few years in business.
  2. Seek funding. You’ll need a business plan finalized before you can seek funding, and your business plan will help you better understand start-up costs and how much funding you might need. Now that it’s done, you can begin to secure funding. 
  3. Choose and register your business name. Select a business name that reflects your mission. 
  4. Choose a business structure. Meet with a CPA, Tax Accountant, or Business Attorney to select the best structure for your business – limited liability company (LLC), sole proprietorship, corporation, etc. 
  5. Register your business. Once you have a business name and structure established, you can register your business. The registrations required for you will depend on local law, but generally speaking, you’ll check with your County Tax Collector, register with the Florida Department of Revenue, and register with the IRS. 
  6. Secure insurance. Before you begin doing business, it’s critical to secure insurance that will adequately protect you in case of loss. At a bare minimum, trucking companies need commercial auto insurance and commercial general liability insurance. Schedule an appointment with your local agent to better understand what you need. 

To learn more or get an insurance quote for your new trucking business, stop by Atlantis Insurance Inc. in West Palm Beach, FL today. 

How Trucking Insurance Keeps You Protected

As a truck driver, you have plenty of things to worry about while out on the road. But worrying about what would happen if you were in an accident isn’t something you want to add to the list. Our professionals at Atlantis Insurance Inc., serving the greater West Palm Beach, FL region, know how having the right insurance coverage can protect you adequately. Discover what you can stop stressing over just by having the proper coverage.

Operating Your Trucking Business

Trucking insurance is an essential component of operating a trucking business. Your policy protects against financial losses due to accidents, theft, damage to the truck and cargo, and other events that come at you unexpectedly. In addition, the insurance policy covers the truck and the driver, ensuring that they are protected in the event of an accident. The coverage also includes liability insurance, which pays for damages to other vehicles and property in case of an accident caused by the truck driver.

Additionally, trucking insurance often includes uninsured motorist coverage, which protects your company if the other driver involved in an accident does not have insurance. Having the proper trucking insurance will guarantee that you won’t lose everything trying to pay for the losses if something goes wrong.

Give Us A Call

Protect your business, your driver, and your truck in the event of a catastrophe. You’re investing in your future by investing in the proper trucking insurance. Let our experts at Atlantis Insurance Inc. in West Palm Beach, FL guide you through the process of determining what kind of coverage you need. Call our office to have your questions answered or to set up an initial consultation.

The Risks of Not Having Trucking Insurance

If you’re a truck driver, you know that having trucking insurance is not only important but required by law. But what happens if you don’t have trucking insurance? Our experts at Atlantis Insurance Inc. West Palm Beach, FL can assist you with this important insurance coverage. 

Here are some of the risks you face if you choose to operate without this coverage:

You Could Be Fined by the DOT 

If you’re caught driving without trucking insurance, you could be fined by the Department of Transportation (DOT). The DOT takes uninsured trucks very seriously, and they have the authority to put your company out of business if they catch you operating without the proper coverage.

Your Cargo Could Be at Risk 

If your cargo is damaged or stolen while in transit, you could be held financially responsible if you don’t have trucking insurance. This is because cargo insurance is not required by law, but most shippers will not do business with carriers who don’t carry this type of coverage. As a result, if something happens to your cargo and you don’t have insurance, you will have to pay for the damages out of your own pocket. 

You Could Lose Your License 

In addition to being fined by the DOT, you could also lose your commercial driver’s license (CDL) if you are caught driving without trucking insurance. Depending on the state where you are caught, your CDL could be suspended for a period of time or even permanently revoked. Losing your CDL would mean losing your livelihood, so it’s definitely not something to take lightly. 

You Could Go Out of Business 

Perhaps the biggest risk of all is that you could go out of business entirely if something happens and you don’t have trucking insurance. This is because one major accident could easily bankrupt an uninsured carrier. If this happens, not only will you lose your income, but everyone who depends on your company for their livelihood will be out of a job as well. 

Get Trucking Insurance Today

The risks of not having trucking insurance are simply too great to justify operating without this vital coverage. Contact Atlantis Insurance Inc. in West Palm Beach, FL today to get the trucking insurance you need to protect yourself, your cargo, and your business.

Owner-Operator Trucking Insurance

Owner-operators in West Palm Beach, FL require special truck insurance services and products regardless of whether they are under their own authority or operating under a permanent lease to a motor carrier. At Atlantis Insurance Inc, we understand the difference and are here to help you choose the right trucking insurance to meet the needs of your business and protect your livelihood.

Operating Under a Permanent Lease to a Motor Carrier

It is quite common for a motor carrier to offer primary liability coverage to drivers who are working for them under the conditions of a permanent lease. In general, this will provide coverage for injuries or damage to property or other parties in the event that you are found responsible for an accident.

Depending on your business, you may need additional coverage, such as:

  • Non-trucking liability for when you are not under dispatch
  • Physical damage coverage to repair or replace your truck following as accident or theft
  • Trailer interchange covers trailers that you pull but do not own

Some motor carriers may offer these options, but in most cases, you are better off obtaining them on your own. That way, you will be able to customize your truck insurance policy to the exact amounts and types of coverage to meet your specific needs.

Operating Under Your Own Authority

If you are operating your truck under your own authority, then you will need your own truck insurance policy to include:

  • Liability for damages to property or other parties, including property damage and bodily injury liability
  • Physical damage for truck repairs following an accident
  • Motor truck cargo for damage or loss of the loads you haul
  • Motor truck general liability for damages or liabilities not directly related to the use of the truck

If you are an owner-operator in the West Palm Beach, FL area, contact Atlantis Insurance Inc for expert advice about the coverage you need. Give us a call today.

Why Florida Truck Drivers Need Trucking Insurance

In order to stay compliant with Florida laws, trucking insurance is required to drive any commercial truck or tractor-trailer.

Florida is a popular state to visit, with tourists and travelers coming from all over the world to experience the pristine beaches, exciting nightlife, and unique local eateries. Because of the massive number of visitors each year, roads can become a risky place for truck drivers to feel safe driving on the busy interstates and freeways.

The best way to drive with peace of mind is to have trucking insurance. 

If you are a commercial truck driver looking for more information on the right trucking insurance for you and your rig, look no further than Atlantis Insurance Inc. in West Palm Beach FL and surrounding areas. Trucking insurance can be confusing because drivers don’t always know exactly what property they need to be covered, and that’s where we can help. 

Finding the right trucking insurance in Florida begins with assessing the type of truck you drive. Other potential risks include the types of cargo being hauled, materials present in the truck that may be dangerous, or the number of passengers in the vehicle at any point in time. With this information in mind, you’ll be able to assess your options and select a policy that protects your rig, your business, and your financial investment. 

Contact the team at Atlantis Insurance Inc. to find the best trucking insurance policy in West Palm Beach, FL. We’ve been helping truck drivers ensure that they’re fully protected on the road, no matter where they’re headed. If you need this kind of clarity, we’re here for you.

What Does Truck Insurance Cover?

Business owners offering trucking services need to invest in commercial truck insurance. If you live in West Palm Beach, FL, you can consider Atlantis Insurance Inc. for your truck insurance needs. The right coverage will address the most probable trucking risks you might encounter. 

For those new in truck insurance, keep reading this guide for more insight on a policy. It is important to fully understand what you are purchasing and how it works.

Basic Insurance 

Among the coverage options that you’ll get with trucking insurance are comprehensive and collision coverage. Comprehensive insurance covers the cost of repairing your truck up to a certain limit. On the other hand, collision coverage ensures the cost of repairing the other vehicle if you were the at-fault driver. 

Specialized Insurance 

Atlantis Insurance Inc. has a variety of options for commercial trucking insurance. The specialized coverage considers insurance for other liabilities, such as bodily injuries and property damage. Depending on your type of trucking services, it would be best to get in touch with our firm to know what options are available for you. 

If you go for a commercial truck policy, you will be covered for:

Bodily Injury 

The policy covers medical bills or legal costs resulting from an accident caused by your truck. The cover further extends to falls or slips on your premises. 

Property Damage

Commercial truck insurance covers the cost of replacement or repair for property damaged by your truck. It also covers losses from wrong address delivery. 

Driver Accidents

If your truck driver happens to cause property damage on another site, your insurance will compensate for the damage. 

Commercial truck insurance is indispensable if you’re in the trucking industry. For business owners in West Palm Beach, FL, Atlantis Insurance Inc. has all you need to protect your investment. The experienced team will answer all your questions regarding commercial trucking insurance. Contact us today for all your trucking insurance needs. 

A Guide To Help Florida Residents Find Trucking Insurance

Based out of West Palm Beach, FL, Atlantis Insurance Inc. is an independent insurance agency that offers multiple coverage options to South Florida residents. We are committed to helping our clients find the insurance coverage that they are looking for. As an independent insurance agency, we can help our clients by offering them custom policies specifically designed to satisfy their needs.

Trucking Insurance

Truckers spend a lot of time navigating Florida roads, which becomes challenging at times. Trucking insurance can be a valuable asset. Trucking insurance helps you protect your investment. The policy covers your vehicle, as well as the cargo stored on your truck. There are a few things to consider while you research different policies.

First off, it’s essential to analyze the type of truck that you are using, as well as the business that you are operating in. If you are running a big rig, you may require different coverage than if you were operating something smaller. It’s also important to analyze the amount of risks that your truck is involved in. While researching different policies, think about the type of cargo on board, whether you are hauling any hazardous materials, and also if any passengers are riding along with you.

Your trucking insurance policy should include liability coverage that protects you if your truck causes damages to someone’s property or results in someone getting injured. The liability coverage will also protect you if you deliver cargo to the wrong address. If you are transporting valuable cargo, you can amend your policy to include cargo coverage. Cargo coverage will protect you in the event that any items on the truck are stolen or damaged.

Atlantis Insurance Inc. will Help You Find the Right Policy.

Providing excellent customer service to our clients is one of our primary goals. Stop by our office in West Palm Beach, FL, and we will assist you today.

Partner Carriers

  • Adriatic
  • Clear Blue
  • Continental Divide
  • Edison
  • Florida Peninsula
  • Infinity
  • LLoyds
  • National Indemnity
  • Northland
  • Progressive
  • Safe Harbor
  • State National