Our Services
Comprehensive coverage tailored for fleet operators and owner-operators.
Fleets
Fleet operators have several alternatives in building their insurance coverage and payment plans. Fleet policies generally involve paying your premium on your month-to-month exposure, which makes the most sense for these operations.
Generally, fleet policies are set up on a monthly reporting form. Those are usually based on:
- Mileage Reporter (insurance premium is charged from miles driven, monthly)
- Unit Reporter (insurance premium is charged from units reported, monthly)
We specialize in providing fleet truck insurance for…
- Trucking Companies
- Small and large fleets
- All truck types and sizes
- Owner operator – fleets
We also have specialized products for non-fleet operators…
- Trucking companies
- All truck types and sizes
- Local, long haul
- Owner operators
Local, Intermediate & Long Haul
Whether you are a local, intermediate or long-haul carrier, we build your insurance program around your radius of operation.
Most insurance carriers will look at the percentage of miles driven in the following radius of operations:
- 0-100 miles
- 100-300 miles
- 300-500 miles
- Over 500 miles
Owner Operator
Owner Operators need non-trucking liability (bobtail) to keep you fully protected while you’re under permanent lease to a motor carrier and may also need physical damage for their equipment.
We understand your truck insurance needs and can help you select the trucking insurance coverages you need to protect your business.
Non-Trucking Liability Insurance:
Provides liability for when you’re not under dispatch.
Physical Damage Coverage:
Covers the cost of fixing or replacing your truck if it’s involved in an accident.
Physical Damage Protection
Physical Damage Protection is a general term for a group of insurance coverages that protect your vehicle. This general term includes Collision Insurance, as well as your choice of full Comprehensive Insurance or the more limited Fire and Theft-specified peril insurance.
Collision Insurance
Collision insurance provides protection for your vehicle if it is damaged in an accident. Collision insurance pays to repair or replace your vehicle if it:
- Collides with another object
- Overturns or rolls
Comprehensive Insurance
Comprehensive Insurance provides protection for your vehicle if it is damaged by something other than a collision with a vehicle or object, or if your vehicle is stolen.
Fire and Theft Insurance
Fire and Theft-specified peril provides similar protection to that of Comprehensive Insurance, except its coverage is limited to certain specific, non-collision incidents.