As Insurance agents we can offer you policies and coverage just as other agents do. As consultants we can offer you more than just insurance. Consider becoming a customer today and save with our DOT Client Bundles.

Industry Wide Requirement. 

 You are required by federal regulations to have this insurance coverage. Every one of your trucks, including leased units, must carry commercial auto insurance. Liability insurance will provide you with protection when a third party becomes injured from an accident.

State Wide Requirement

 Every state requires general liability coverage. It protects you if one of your drivers causes property damage or bodily damage because of a crash. It covers a driver’s actions who is operating on another person’s premises, like truck stops or loading docks. It also includes load delivery mistakes 

Safety Net

Physical damage coverage will pay for a commercial truck or trailer repairs from damage by things like:

• Vandalism
• Collision
• Theft
• Natural disasters

Alternatively, if your truck becomes damaged beyond repair, this coverage will replace it. The cost of the truck and equipment will determine the premium.

Off Dispatch

 Bobtail coverage, also called non-trucking liability, is coverage for circumstances where the truck driver is driving the truck for personal reasons or is off dispatch. Any situations where the owner-operator isn’t covered by primary liability coverage, bobtail coverage will cover kick in. But bobtail insurance doesn’t protect truck drivers when they’re pulling a trailer, using a truck to make money or driving a truck for a trucking company. 

Damage and More 

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.

 Backup Plan

Rental reimbursement is exactly what it sounds like — it provides you with money for renting a replacement truck while your vehicle is being repaired. 

 Lost/Damaged

 This coverage provides you with protection if the cargo on one of your commercial trucks is lost or damaged. Premiums will depend on the freight type. 

 Protect The Driver

  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.

 Outside Collision

   This insurance will protect you if another person hits you and does NOT have liability insurance.

 Refrigeration Breakdown

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.

 Wage Replacement

Have 3 or more employees?

Well, you are required to carry workers comp insurance! 

Workers' comp is a form of insurance that provides wage replacement and medical benefits to employees who are injured or become ill as a result of their job. This coverage can include rehabilitation services and death benefits too. In exchange for these benefits, the employee waives the right to their employer for damages. 

 Call or send us an inquiry with your interest in being in a captive. We will schedule a meeting to look at all options to assist in getting your company into one, or relay where we can start to get your company on the path so we can better chances in the future.