Coverage
What we cover
The coverages truckers actually need — explained like a trucker would, not an insurance executive.
Commercial trucking coverages
Primary Liability
Required by federal law for any for-hire carrier. Covers bodily injury and property damage you cause to others while hauling. We find the right limits for your operation and commodity.
Physical Damage
Protects your truck and trailer against collision, fire, theft, and other perils. Comprehensive and collision — we structure it around your equipment value and lender requirements.
Motor Truck Cargo
Covers the freight you're hauling if it's lost, damaged, or stolen. Limits and exclusions vary by commodity — we match the policy to what you actually carry.
MCS-90 Endorsement
A federally mandated endorsement that ensures minimum public liability coverage. Required for interstate carriers. We make sure it's on your policy and properly filed.
Non-Trucking Liability (Bobtail)
Covers you when you're driving your truck for personal use — not under dispatch. If you're leased to a carrier, this fills the gap their policy leaves.
Occupational Accident / Occ-Acc
An alternative to workers' comp for owner-operators. Covers medical expenses and lost income if you're injured on the job. Especially important if you're leased to a carrier.
Beyond the truck
We also handle personal lines through our broader agency resources — one relationship for everything.
Not sure what you need?
Call us — we'll walk you through it. No pressure, no jargon.