Which type of insurance is recommended for drivers transporting metal coils?

For drivers transporting metal coils, liability and cargo insurance is the most recommended type of coverage. This is because liability insurance protects against damages and injuries that may occur to third parties as a result of an accident caused by the driver. Given the heavy and potentially hazardous nature of metal coils, accidents can lead to significant damages, and liability coverage ensures that the driver is financially protected against claims from other parties.

Cargo insurance, on the other hand, specifically protects the transported goods—in this case, metal coils—against loss or damage during transit. Since metal coils can be valuable and are often expensive to replace, having cargo insurance helps safeguard against financial loss resulting from theft, damage during loading or unloading, or accidents.

In summary, having both liability and cargo insurance provides comprehensive protection for drivers, covering both their legal responsibilities toward others as well as the safety of the cargo they are carrying. This dual layer of protection is critical in the transport of high-value and heavy items like metal coils.