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Catastrophic insurance losses from disasters like hurricanes or wildfires raise premiums for all, even truck drivers with no claims. They deplete reinsurers' capital, hiking global rates passed to policyholders. 2025 recorded $107B in losses, marking the sixth consecutive year exceeding $100B, triggering "hard markets" with tighter coverage. Population growth in vulnerable areas heightens exposure, affecting transportation via higher commercial premiums.

Navigating the world of commercial truck insurance can be daunting, but it's essential to secure the right coverage at an affordable rate.

So, you've finally taken the plunge and started your own trucking business - congratulations! But before you hit the road, there's one