We offer
COMPREHENSIVE COVERAGE
At Kronos Insurance we offer coverages designed to protect every aspect of your business operations, including mandatory liability, all types of property damage, and bodily injuries.
Our priority is to ensure your peace of mind and trust, backed by the best insurance companies.
Commited Responsibility
AUTO LIABILITY
Property Damage Liability: Covers the cost of repairs or replacement for third-party property damaged in an accident caused by the vehicle’s driver.
Bodily Injury Liability Covers medical bills, lost wages, and other expenses related to injuries suffered by third parties in an accident caused by the vehicle’s driver. It may also cover legal costs if lawsuits arise from the accident.
Legally Required Limits Minimum limits vary depending on the transported cargo, truck type, and jurisdiction (state).
Total Protection
MOTOR TRUCK CARGO
Protect Your Cargo and Ensure Business Continuity Against Unexpected Events. This coverage includes:
1. Physical Damage – Covers losses due to accidents, theft, fires, vandalism, floods, or storms.
2. Cleanup and Disposal Costs – Covers expenses for cleaning up or removing damaged goods.
3. Partial or Total Losses – Ensures compensation for lost or destroyed cargo.
4. Carrier Liability – Protects the transporter against lawsuits related to damaged goods.
Protect your investment
Physical Damage (PD)
1. Collision Coverage: Covers damage to your vehicle resulting from a crash with another vehicle or object, regardless of fault.
2. Comprehensive Coverage: Protects against vehicle damage caused by non-collision events such as theft, vandalism, fire, natural disasters, or animal impact.
3. Specific Risks (optional)
Always backing you up
GENERAL LIABILITY
This liability coverage provides compensation for medical costs, lost wages, and legal expenses.
Third-Party Bodily Injury: Covers medical expenses, lost income compensation, and legal fees if someone is physically injured on your business premises or due to your operations.
Third-Party Property Damage
Legal and Defense Expenses
Security for All
TRAILER INTERCHANGE (TI)
This coverage protects against physical damage to the trailer, including: Collisions, Fires, Theft, Vandalism, Natural disaster damage.
Non-Owned Trailers: Applies only to trailers not owned by the insured transporter but under their control due to an interchange agreement.
Expand Your Policy Coverage
EXCESS LIABILITY INSURANCE
This coverage increases the limits of your primary or base policy, providing additional protection beyond standard coverage.
It applies to: auto Liability, General Liability, Employee-Related Injuries – Covers injuries that are not included under workers’ compensation policies.
Protection Beyond Limits
BOBTAIL
This coverage provides liability protection for commercial trucks operating without a trailer attached.
1. Non-Trailer Liability Covers third-party property damage or bodily injuries caused by the truck while operating without a trailer.
2. Personal Use or Out of Service
3. Coverage Outside of Contract: Applies when the truck is not under the primary liability policy of the carrier you work for.
Your Team, Always Protected
Workers Compensation
Protect your employees from workplace accidents while ensuring compliance with legal regulations. This coverage includes:
1. Medical Expenses: Covers necessary medical costs for treating work-related injuries or illnesses.
2. Disability Benefits: Provides compensation if an employee becomes partially or fully disabled, either temporarily or permanently.
3. Lost Wage Compensation: Offers a percentage of the employee’s salary while they are unable to work due to injury or illness.
4. Rehabilitation: Assists employees in returning to work after recovery.
5. Death Benefits: Provides financial support to the dependents of an employee who passes away due to a work-related accident, including funeral expenses.
GET THE COVERAGE YOU NEED
