Insurance Services

Comprehensive coverage solutions for commercial trucking, business operations, and personal protection — all from one trusted agency.

Trucking Coverage

Commercial Truck Insurance

Specialized programs for owner-operators, motor carriers, and fleet operators — from primary liability to full package coverage.

Primary Liability

Mandatory federal coverage for bodily injury and property damage

Primary liability insurance is the foundation of every commercial trucking operation. Required by federal law, it covers bodily injury and property damage caused to third parties while operating your commercial vehicle. We handle all FMCSA filings including BMC-91, BMC-91X, and MCS-90 endorsements.

Limits from $750K to $5M available
FMCSA filing and compliance support
Meets broker and shipper requirements
Coverage for all commercial vehicle types

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General Liability

Broad business protection beyond auto coverage

General liability protects your business from claims of bodily injury, property damage, and personal injury that occur during business operations — not while driving. Many brokers and warehouses require this coverage before you can pick up freight.

Premises and operations coverage
Products and completed operations
Personal and advertising injury protection
Meets contractual requirements

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Motor Truck Cargo

Protect the freight you haul from loss and damage

Freight cargo loaded on commercial semi truck

Motor truck cargo insurance covers the freight you transport against theft, damage, and loss. Whether you haul general freight, refrigerated goods, or high-value commodities, we structure limits and deductibles to match your cargo profile.

General freight, reefer, and specialty cargo
Flexible per-load and per-occurrence limits
Reefer breakdown coverage available
Contingent cargo options for brokers

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Physical Damage

Comprehensive and collision coverage for your equipment

Physical damage coverage protects your tractors, trailers, and equipment from collision, theft, vandalism, fire, and weather events. Required by most lenders and leasing companies, we offer flexible deductibles and agreed value options.

Comprehensive and collision coverage
Agreed value and stated amount options
Coverage for tractors, trailers, and specialty equipment
Flexible deductible structures

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Workers Compensation

Coverage for employee injuries on the job

Workers compensation is required in most states for motor carriers with employees. It covers medical expenses, lost wages, and rehabilitation costs when employees are injured on the job — including drivers, mechanics, and office staff.

Multi-state coverage available
Experience modification rate management
Safety program credits
Claims management support

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Non-Trucking Liability

Essential coverage for leased owner-operators

Non-trucking liability (NTL) or bobtail coverage protects leased owner-operators when operating their truck without a trailer for personal use — not under dispatch from the motor carrier. It's a critical gap coverage that primary liability doesn't address.

Coverage during non-business use
Required by most leasing companies
Affordable premiums for owner-operators
Bobtail and unladen coverage options

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Occupational Accident

Injury protection for independent contractors and drivers

Occupational accident insurance provides medical and disability benefits for independent contractor drivers who aren't covered by traditional workers compensation. It's an affordable alternative for owner-operators and fleets using contracted drivers.

Medical expense and disability benefits
Accidental death and dismemberment
Alternative to workers comp for 1099 drivers
Fleet and individual policies available

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Trailer Interchange

Physical damage coverage for non-owned trailers

Trailer interchange agreement coverage protects you when hauling trailers owned by other parties under a trailer interchange agreement. It covers physical damage to the non-owned trailer while in your possession, custody, or control.

Coverage for non-owned trailers
Required by most interchange agreements
Flexible limits and deductibles
Covers trailers under interchange agreements

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Commercial Lines

Business Insurance

End-to-end commercial protection for trucking companies, logistics firms, and related businesses.

Commercial Property

Protect your terminals, warehouses, office space, and business personal property from fire, theft, and natural disasters.

Cyber Liability

Coverage for data breaches, ransomware, and cyber incidents that could disrupt your dispatch and billing operations.

Commercial Umbrella

Excess liability coverage that sits above your primary policies, providing additional limits for catastrophic claims.

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Personal Lines

Personal Insurance

Protect what matters most at home — from the team that already knows your business.

Homeowners Insurance

Comprehensive home protection including dwelling, personal property, liability, and additional living expenses coverage.

Personal Auto

Auto insurance for personal vehicles with competitive rates and multi-policy discounts for existing business clients.

Personal Umbrella

Extra liability protection above your auto and home policies — essential for business owners with significant assets.

Not Sure Which Coverage You Need?

Our specialists will review your operation and recommend the right coverage package — at no cost and no obligation.

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