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We know Trucking Insurance
We function as your company's "Insurance Division", crafting creative solutions to keep your costs down while covering your assets and meeting your contractual obligations.
We pride ourselves on fast response times on requests and free, same day Certificates of Insurance.
Policies we offer
Primary Liability Insurance
This commercial vehicle insurance covers bodily injury and property damage you cause others while your truck is on the road. The federal government requires you to have this type of coverage before using or leasing your trucks for business purposes.
General Liability Insurance
This state-required insurance protects your business from incidents that happen off the road. It covers incidents that happen as a result of your day-to-day operations, like slip-and-fall accidents and loading delivery errors.
Non-Trucking Liability or Bobtail Insurance
The non-trucking insurance policy covers you when your truck is used on off-days for non-business purposes.
Physical Damage Coverage
Physical damage insurance covers any repairs made on commercial trucks due to theft, collision, vandalism, and natural disasters. If your vehicle is irreparable, this truck insurance policy can also cover the cost of its replacement.
Motor Truck Cargo
This cargo insurance provides coverage for the goods you transport, including losses that result from collision, fire, or striking. For example, if your truck gets stuck in an ice storm or heavy traffic, this commercial truck insurance protects your commodities.
Workers Compensation
Workers Compensation Insurance provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Rental Reimbursement
Rental reimbursement is exactly what it sounds like — it provides you with money for renting a replacement truck while your vehicle is being repaired.
Trailer Interchange
Trailer Interchange insurance provides Physical Damage insurance for trailers being pulled under a trailer interchange agreement. This is essentially Physical Damage insurance for non-owned trailers. This insurance protects you if the trailer is damaged by collision, fire, theft, explosion or vandalism.
Medical Payments & Uninsured Motorist
Medical payment coverage pays for any medical bills you or a passenger incur while driving or riding in the truck. Each state will vary in this coverage.
Uninsured Motorist does exactly what it implies: This insurance will protect you if another person hits you and doesn’t have liability insurance.
Reefer Breakdown Coverage
If you own refrigerated trucks, reefer breakdown coverage would cover the cost of things like:
- Refrigeration breakdown
- Lost cargo
- Damage to products because of a collision
Some insurance policies have exclusions. For instance, certain products are excluded, such as tobacco products, frozen food, or seafood.