Questions to Ask Your Truck Insurance Agent

Questions to Ask Your Truck Insurance Agent
For commercial truck operators, when it comes to insurance, a little bit of research can go a long way. From shopping around and getting quotes to going over exactly what is needed to be better protected behind the wheel, there are preliminary measures to account for.

Truck insurance options aren’t all made equally, and that’s why it’s important for those needing coverage to take a proactive approach to finding the best fit. Chances are that multiple insurance carriers will want your business after you first approach them, so be prepared to ask hardline questions to make sure you’re getting everything covered.  Here are five questions to ask agents.

1. How Much Coverage Do I Need?

Truck liability insurance for heavy trucks typically requires the minimum amount of $750,000 as set forth by the USDOT or by the State; but most truck operators select $1mm limits.  Most shippers and brokers require the $1mm limits. While these limit may seem a bit high, big rigs can cause a lot of damage to whatever they hit, even if an incident isn’t the driver’s fault.

Commercial drivers should ask their potential insurance agent to guide them through options related to limits. Also, touch on things like umbrella, or excess, policies that can protect you when it comes to drastic losses.

2. Do You Offer Cargo Coverage?

With different types of cargo comes different types of risks. From grain to livestock, oil to cars to hazmat, truckers should understand the potential risks these individual factors pose. While most truck drivers elect cargo insurance at $100,000 care should be taken to make sure the cargo insurance meets the maximum cargo value being transported.

A trucking insurance agent should know what you’re shipping around and be able to offer the right coverage options based on that.  In addition, cargo insurance policies can differ greatly in their coverage conditions and exclusions and a good agent will help you navigate these complex issues.

3. Can I Get a Combined Deductible?

There are times when an accident causes damage to everything from your truck to your cargo to other vehicles on the road. Each of these types of damage brings their own liabilities. Your insurance package should cover all this, but separate deductibles will apply to the individual factors.

When you get a combined deductible, you’re only responsible for paying a single deductible no matter the coverages used. It makes this process simple and more easily structured.

4. Can You Change My Policy Quickly?

Truckers who find themselves changing out what they haul on a regular basis, or even day-to-day basis, should be able to reach out to their agent at a moment’s notice. Being able to change your policy quickly can provide protection when you are in a situation where a specific coverage is needed.   Your insurance agent, or the office, should be available to you for these changes.

5. What Factors Are Affecting My Premium?

Typically, insurance companies base risk on a number of factors, Age, driving record, credit score, years of experience, distance traveled,  freight carried, and others all play a role in just what affects your overall coverage. If your quote seems high, bring it to your agents attention and ask just what is causing this. There are steps you can take to fixing it when renewal is coming up.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

 

 

What’s the Difference Between Commercial Property and Commercial Equipment Coverage?

What’s the Difference Between Commercial Property and Commercial Equipment Coverage?
For many property owners, the need to carry insurance to protect their land and everything on it is a standard and vital need. Property owners should evaluate what needs to be protected and then re-evaluate on a regular basis to ensure overall integrity.

But the decision to protect everything from heavy equipment to the garages, per se, that house them can bring some confusion. Ultimately, it’s imperative for business owners to invest in the right coverage to protect what is theirs, and educating oneself in regards to finding the right policy or policies needs to be at the beginning.

When a transportation company fires up a new big rig, they reach for dependable truck insurance. So why shouldn’t a business that operates with machinery or houses such equipment find coverage? Let’s take a look at the different between commercial property insurance and commercial equipment insurance:

Commercial Property Coverage

Depending on your company’s location, you may not be required by law to obtain commercial property insurance. However, a business may be required to do so by their lender. Most business owners make a choice to purchase this kind of insurance policy because of the wide range of protection that it provides.

Property that is being leased can also be insured under this policy as well as property that is owned by somebody else. Commercial property coverage provides insurance for any number of buildings, finished additions,  and other business personal property that are part of a business operation.

Specifically, this coverage applies protection for various types of commercial property. You can equate this to coverage for buildings and personal property  in a business. What’s more, if a business suffers a loss, commercial property insurance can provide coverage for lost income and extra expenses. Make sure to assess everything that needs to be covered or have an insurance broker determine what and how much needs to be put under a personalized policy.

Commercial Equipment Coverage

Commercial equipment coverage is also referred to as contractor’s equipment coverage. This policy provides protection for various equipment and machinery from physical damage. This policy goes a step further beyond commercial property insurance by covering what is not designed to be protected under the policy above.

Consider this: Does your business use heavy equipment such as tractors, backhoes, and forklifts? Then this coverage is tailor-made to protect against damage of those items. More often than not a business’s assets are tied up in heavy equipment, making this kind of protection a high priority.

Most people think that a policy like this only refers to physical damages, but it also includes loss due to theft. Stolen heavy equipment numbers are on the rise and commercial businesses need to do what they can to protect against such loss. Depending on where you are at in the country, your heavy equipment may be at a higher risk of being damaged or stolen.

Be sure to work with an insurance broker to understand what your business needs in terms of coverage and what needs the most protection.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. Since 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

More Than Just Posture – 3 Tips for Better Driver Ergonomics

More Than Just Posture - 3 Tips for Better Driver Ergonomics
Did you know that proper ergonomics is just as important of an aspect of truck driver health and safety as it is for those who work in offices? Each year, thousands of drivers are plagued by neck, back, and spinal issues associated with poor posture. Truck drivers are among the
top professions to be out of work due to injuries, and ergonomic injuries are wholly avoidable by making only a few small changes

Most people don’t consider it, but the simplest way truckers can help prevent these types of ailments is by taking the same proactive steps designed for improved posture that are recommended for desk dwellers. Here are three vital ergonomic ideas to consider.

#1: Make Seat Adjustments

Similar to choosing the right type of desk chair, one of the easiest ways to ensure your cab is as safe as possible is to pay attention to seat adjustments before you even start the engine. Begin by making sure your feet can comfortably reach the gas pedal, clutch, and brake. Then adjust the seat’s backrest so that your arms are at a slight angle while you are holding the steering wheel. You’ll also want to raise the seat as high as you can while still being comfortable and tilt the seat cushion so that your thighs are fully supported without putting too much pressure on your knees.

#2: Remember Your Posture

Another vital thing to remember is your overall posture inside the truck. No matter how fatigued you become, don’t ever slouch while driving which can cause strain on your muscles and joints. This may take a bit of practice at first, but remembering to sit up straight can help prevent neck and back pain. It is also important to change your position in the seat slightly every half hour. While it isn’t always possible, try to take breaks when you can to get out of the vehicle and stretch.

#3: Maintain Good Habits When Outside the Truck

Keeping up with good health habits when you are off the road is also important. Exercises such as yoga or Pilates are excellent for strengthening your core area, which can help support your neck, back, and spine more efficiently when you are driving. And remember to correct your posture while sitting in a chair in your living room, hotel, or even at restaurants. Practice really does make perfect.

While truck drivers don’t spend their days in an office per se, a healthy and safe working environment is just as important. Protect your body by implementing the above ergonomic tips as soon as possible.

However, in addition to having these best practices in place, all truck drivers, whether they are full-time employees or independent contractors, should have truck insurance that provides coverage for injuries incurred on the job, whether it is Workers’ Compensation for full-time employees or Occupational Accident for independent contractors and owner-operators.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. Since 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

How Truck Drivers Can Stay Safe in the Summer Heat

How Truck Drivers Can Stay Safe in the Summer Heat
Now that the sweltering months of summer have arrived, many truck drivers find themselves facing some unique safety challenges behind-the-wheel. Fortunately, there are a few simple tips all truck drivers can follow to keep themselves and other motorists safer this summer.

Save Yourself From Sunburn

Exposure to UVA and UVB rays is a risk for truck drivers year-round, but this is especially true during the summer months, when truck drivers are less likely to be wearing protective layers that would otherwise limit their exposure to the sun’s harmful rays. While driving during daylight hours, make sure you apply (and re-apply) a quality sunscreen at least every few hours. Wearing sunglasses and/or a hat with a brim while driving can also protect your eyes from sun damage while allowing you to avoid dangerous glare and other obstructions.

Keep Your Truck Maintained

When was the last time you had the tire pressure checked on your truck? If it’s been more than a week or two, be sure to have this done; this is an important maintenance task year-round, but especially during the hotter months of summer, when truck tires are more susceptible to blow-outs. The same goes for checking and servicing your brakes, as hotter temperatures can make it easier for your brakes to overheat and create a major safety hazard while driving.

Load Up on Hydrating Fluids

Drinking plenty of water while behind the wheel is one of the best decisions you can make to avoid dehydration and the side effects (such as fatigue) that can come along with it. While it may be tempting to choose an iced coffee, soda, or other caffeinated beverage over plain water, it’s important to stay well hydrated during the sweltering months of summer. To make sure you’re drinking enough water, consider investing in a quality insulated water bottle that you make an effort to fill up at least a few times a day during your travels.

Be Alert on Crowded Roadways

Highways and roadways tend to be more crowded during the summer months, especially as children are out of school and families are taking more vacations and road trips. With this in mind, it’s more important than ever to stay alert on the road, especially during times of heavy traffic. Above all else, try to maintain your patience and remember your safety training when navigating busy roads.

Summer time can be a more dangerous time for truck drivers—and for a number of reasons. By following these practical safety tips and making sure you’re protected by the right commercial truck insurance, however, you can keep yourself and other motorists safe. Reach out to the Western Truck insurance team today for more information.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. With roots dating back to 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

Why Crime Insurance is a Necessity for Trucking Operations

Why Crime Insurance is a Necessity for Trucking Operations
Trucking operations are a prime target for theft and criminal activities. Cargo theft in the U.S. is more common than people think. According to the
FBI, the annual economic loss due to cargo theft is around $30 billion – reporting that the average cargo loss in 628 incidents in 2015 had a value of $44,426 per case.

What About Employee Theft?

Thieves scout for vulnerable trucks with poor security measures in place where cargo can be stolen easily – and some of those thieves may be trusted employees. Insurance for crime coverage in trucking operations is generally limited to motor truck cargo insurance and warehouse legal coverage. Since standard insurance policies have an exclusion for coverage of employee theft, criminal activity by your own employees isn’t covered. In order to bridge the gap between what is covered for cargo and warehouse losses and potential employee crime, you need a crime insurance policy which specifically addresses employee theft.  

Reducing Employee Theft

While it’s crucial that you cover your trucking operation with a crime insurance policy for employee theft, there are security measures you can put in place to reduce the possibility of being a victim of employee crime:

  • Never leave a loaded truck unattended, or without security, on your property or allow a driver to take a loaded truck home.
  • Ensure that drivers maintain regular contact with dispatch during every part of the shipping process.
  • Have a closed-mouth policy about your operations. Train your drivers and employees to be careful about what they say to fellow employees as well as friends and family. Train them to refrain from talking about the cargo in the trucks, and to not give out route information to people not in the chain of command.
  • Make sure all employees and drivers follow delivery and pickup protocols. Have a procedure in place for checking all ID from any personnel who unload a truck – each time. Audit your protocols regularly.
  • Screen for dishonest employees before hiring them. Run a comprehensive background check on all employees, not just the ones who have direct access to cargo contents, shipping, and routing information. If they claim to have worked in the trucking industry before, contact every reference they provide.
  • Have periodic security training for all employees.  
  • Pay attention to employees who don’t follow directions, don’t follow protocol, are loose with standards, and if there are security breaches, don’t keep them on.  
  • Use technology to manage security and route shipments, and have a system in place to act quickly if a truck goes off its route.  

If you have employees in your trucking operation, you need a crime insurance policy to cover employee theft, even if you have truck cargo insurance and warehouse insurance coverage. If you have questions about your trucking insurance needs, we have answers. Give us a call today or stop by and speak with one of our insurance specialists.

About Western Truck Insurance Services

Western Truck Insurance Services is much more than a commercial truck insurance agency. With roots dating back to 1954, we have provided our clients with unparalleled service for truck insurance quotes, customer service, coverage charges, insurance certificates, and more. We are committed to providing our clients with the service to keep their costs to the minimum and their opportunities to the maximum. For more information about our products and services, give us a call at (800) 937-8785 to speak with one of our experts.

Hours-of-Service and Safety- Are the New Rules Working?

Those HOS (hours-of-service) rules can certainly get in the way, but the good news is, they seem to be working. The Government Accountability Office (GAO) recently released a report examining the most recent round of HOS changes (implemented in 2013) and the FMCSA responded to the report and agreed to move forward with the changes.

Positive Impact of HOS Changes

The GAO examined data from the first 18 months of the new HOS regulations. Here’s what they found:

  • Reduction in Drivers Working 65+ Weekly Hours– Drivers in the sample were 24-29% less likely to work more than 65 hours per 8 day week. The number of drivers working over 65 hours was 12% before the rule and decreased to 6% afterwards.
  • Fewer Hours Worked Per Week– The GAO found that the drivers in their study worked about 1.1 to 2.5 fewer hours each 8 day week after the new HOS rule was implemented. This ranges from 2-4.8% fewer hours.
  • Fewer Restarts- Drivers in the sample took fewer restarts per 8 day week (approximately 6.1-6.5% fewer).
  • Less Fatigue– Drivers that comply with the HOS requirements should experience a lower peak fatigue level, especially in the earlier days in their work cycle.
  • No Increase in Early Morning Crashes– They also found no increase in crashes during the 5 a.m. to 9 a.m. window, a worry that many critics of the regulation originally had.

There was little change in the number of crashes reported (and a possible decrease in the number of fatalities).

Other Ways to Stay Safe on the Road

Hours of Service rules are the law and they may help you to be safer on the road, but they aren’t the only way to increase your safety on the road. Here are a few other simple changes you can make based on recommendations and statistics from the GAO report.

Drive During the Day- The study found that drivers driving a nighttime schedule were on average much more fatigued than drivers working during daylight hours. To reduce fatigue, drive during the day if you can. If you must drive at night, here’s a great presentation from the NHTSA (National Highway Traffic Safety Administration) about drowsy driving.

Be Aware of Danger Times- The report found that crashes were more likely to occur when the roads were icy rather than dry, foggy rather than clear, and during dawn rather than daylight hours. Although you should be vigilant at all times, difficult road conditions do increase your risk of an accident. Be extra careful if you must drive during these times.

Don’t Speed– The most commonly cited reason for driver-caused crashes in 2012 was speeding. If you’re guilty of driving too fast, slow down.

It looks like the new HOS rules are here to stay. Have you noticed any changes (positive or negative) due to the changes in the HOS rules?

CARB Compliance Issues- A Deeper Look at Low Rolling Resistance Tires

If you drive a box type trailer in California (including dry van and refrigerated van trailers) you likely are aware of the low rolling resistance tire regulations that are currently being phased in. What you might not know however is how these tires work and how using them impacts you. Keep reading for all the details, including tips for maximizing your tire investment.

What Are Low Rolling Resistance Tires?

Low rolling resistance (LRR) tires are a special type of tire designed to improve fuel efficiency by reducing the rolling resistance. They are required for certain trailers and tractors as part of California’s Heavy Duty Vehicle Greenhouse Gas Emission Reduction Regulation. As tires move on the road, this resistance turns energy exerted by a vehicle into heat, not forward movement, and can result in a great deal of energy waste. For heavy trucks it is estimated that up to 15-30% of fuel consumption is used to overcoming rolling resistance. LRR tires cut down on this resistance saving money in fuel costs and cutting down on greenhouse gasses.

While required for some tractors and trailers in California, LRR tires can be used anywhere in the country to cut down on fuel expenses.

How Much of an Impact Do LRR Tires Make?

LRR tires can make a big impact on your fuel efficiency. Some studies indicate that making the change to LRR tires could save (each year):

  • 500 Gallons in Fuel
  • 08 metric tons of CO2
  • $1,900 in Fuel Costs
  • 3% Reduction in Fuel Costs

LRR tires may wear out more quickly than standard tires. The full impact you’ll experience will vary depending on the type of tire you choose, whether you have single wide or double tires, and even how your tires are inflated. LRR tires may be more expensive (between $0 and $50 per tire), but most estimates suggest that the increase in fuel efficiency will offset the increase in tire price.

Other Methods for Improving Your Fuel Efficiency

Do you want to get the most bang for your fuel investment? LRR tires can cut down on your fuel bill, but there are other steps you can take to maximize your tire investment and to increase your fuel efficiency when using LRR tires. Here are a few tips:

  • Inflate Properly- Making sure your tires are properly inflated can make a big difference in your fuel efficiency. For example if your recommended inflation is 35 psi, but your actual inflation is only 28 psi, your rolling resistance will be increased by 12.5%.
  • Use LRR Tires for All Tires- Although incremental fuel efficiency increases can be obtained by using LRR tires on just the tractor or trailer, you’ll see the best results when you use LRR tires for all tire positions.
  • Choose SmartWay Approved Tires- SmartWay approved tires are verified by the EPA to meet specific fuel efficiency requirements. See a list of approved LRR tires here.

Are you using LRR tires? Have you noticed an impact on your fuel bill?

 

A Safer Tomorrow Starts Today- 3 Changes Every Trucker Should Make

Here at Western Truck Insurance Services, we want you to “Travel with Care”. We all know that transportation is a risky industry (truck drivers are 5x more likely to die in a work related accident than the average worker), but that doesn’t mean there aren’t ways to reduce your risks and increase your safety. Today we’re sharing 3 doable changes you can make for a safer experience on the road.

Buckle Up

More than 1/3 of truck drivers that die in accidents weren’t wearing a seatbelt. The number should be 0. Hooking your seatbelt before you hit the road is an easy change to make if you aren’t doing it already (and 1 in 6 truckers aren’t). Accidents are a leading cause of death for truck drivers; 2012 saw 700 fatalities of large truck drivers and their passengers and another 26,000 injuries.

Re-commit today to better seatbelt practices. It could save you your life.

Stop Smoking

Truck drivers are much more likely to smoke than the general population. More than half of truck drivers (51%) currently smoke, compared with the U.S. average of 19%. We understand the urge to smoke on a long haul, but that doesn’t make the practice any less risky. Luckily, it is never too late to quit smoking. Quitting at any age has benefits and the sooner you quit, the sooner you can start to heal. Diabetics may notice an immediate improvement in blood sugar control and your risk of heart attack drops steeply after just one year.

Quitting isn’t going to be easy, but you don’t have to do it alone. Call 1-800-Quit-Now for phone help (a great option wherever your next load takes you) or visit SmokeFree.gov for resources (including a free chat with a live help information specialist).

Put Down Those Cellphones

Did you know that commercial drivers that text are 23 times more likely to experience a safety incident (like an accident, near accident, or inadvertent lane change) than those that don’t? Not 2 times, not 3 times, but 23 times. Isn’t that reason enough to put down that phone?

Texting is illegal for all commercial drivers. What exactly is texting? The rules might be stricter than you think. You are prohibited from manually entering text or reading text while driving. This includes sending a text, reading an email, IM’ing, visiting a web page, dialing a phone number (pressing more than a single button to initiate a call), etc. The penalties are hefty (up to $2,750 or driver disqualification for multiple offenses, not to mention the impact on your SMS score), but pale in comparison to the risk of accident or death. Put down those phones and drive safely.

Make the commitment today to make a few safety changes for a safer tomorrow. Trucking might be a dangerous industry, but there are things you can do to make it safer.

Do You Have an Accident Prevention Plan?

 

If you don’t have an Accident Prevention Plan, each day on the road is just an accident waiting to happen. This might sound extreme, but the truth is, trucking is an industry with a lot of safety risks and potential hazards; if you aren’t actively preventing accidents, the potential for injury, including serious injury and death, is exponentially increased. What can you do? Create a safety plan and use it. This can help you find and eliminate potential safety problems before an accident or injury occurs. If you don’t have a plan, you need one. Create one today.

 

Accident Prevention Plan- A Legal Obligation?

 

An accident prevention plan is a good idea for any trucking operation, no matter the size (owner operator, small fleet, large fleet, etc.), but for many companies, it is actually a legal obligation. A workplace injury and illness prevention program is encouraged/required by a majority of states and OSHA recommends that every workplace have one.

 

If you don’t have a safety plan, not only are you putting yourself (and your employees) at risk for an injury, you’re also exposing yourself to unnecessary liability should an injury occur.

 

Starting an Accident Prevention Plan- First Steps

 

Creating your first accident prevention plan can seem overwhelming; we’ve broken the process into a few easy first steps to get you started.

 

·         Look for Risks– Spend a few days looking for hazards and make a list. What safety risks are you or your employees likely to encounter? Getting your employees in on the brainstorming process can help you to identify more potential hazards. Past records of accidents, injuries, safety inspection violations, etc.  can be a valuable resource in pinpointing specific problems you’re facing.

 

·         Create Solutions to Risks– Once you have a list of risks, work on creating policies to eliminate or reduce these risks. How can you reduce the safety hazards you face?

 

·         Consider Training– A written policy is important, but so is training. If you notice safety violations or unsafe practices, consider some training. Knowing how to properly tarp, chain up, use PPE, etc. are essential skills every driver should possess.

 

·         Choose a Safety Supervisor– Who is in charge of safety? While safety should be something on everyone’s mind, it is a good idea to have someone actively in charge of company safety to ensure that it remains a priority. This person can also be a point of contact should illness, accidents, or injuries occur.

 

Resources to Get You Started

 

The following resources will be helpful tools as you create your accident prevention plan.

 

·         Guide to Developing Workplace Injury Program (California)- The State of California has created a comprehensive guide for developing a workplace injury program. While the information isn’t specific to the transportation industry (the guide was written for all employers), you’ll find it is easily adapted. This is a great resource no matter what state you live in.

 

·         Sample Plan (Texas)- What should your plan look like? You’ll want to adapt things to the way your  company does business, but this sample guide from the State of Texas can give you a good jumping off point.

 

·         OSHA Information for Transportation– The transportation industry has some unique hazards. This guide from OSHA will help you identify some of the risks, hazards, and training requirements you should address in your plan.

 

Do you have a safety plan? Create one today for a safer tomorrow.

 

 

 

What Insurance, Permits, Etc. Do I Need to Get Started?

 

One of the biggest questions we encounter from new drivers is, “What do I need?” Interstate truckers need a variety of permits, registrations, insurance policies, etc. to ensure they are in compliance with various state and federal laws. We can help you with the specifics for your situation (just give us a call), but this will give you a good idea of where to start.

 

Permits, Authority, and More… What Do I Need?

 

The various regulatory permits and registrations needed can vary quite a bit depending on which states you’ll be running through, but there are a few basics you’ll most likely need. Let’s take a look:

 

·         DOT Number

 

·         FMCSA MC Authority

 

·         Truck Registration

 

o   IRP

 

o   Unified Carrier Registration or UCR

 

o   IFTA (International Fuel Tax Agreement)

 

·         Individual State Permits- Some states require additional permits and fees. Things like oversize and overweight permits only apply if your specific load requires it, but some fees apply to even standard sized loads. For example you may encounter Weight Distance Taxes, fuel taxes that are paid to the state directly (and not charged with fuel), property taxes, and other required permits and fees.

 

Insurance… How Much Coverage Is Enough?

 

Although you may need higher limits, depending on your circumstances, the following coverages are most common for trucking and transportation:

 

·         $1 Million Commercial Auto Liability

 

o   $1,000 Deductible  for Physical Damage Coverage

 

·         $100,000 Motor Truck Cargo

 

o   $1,000 Deductible Non-Owned Trailer Coverage

 

The best way to determine how much insurance you need specifically is to talk with one of our agents. We aren’t just here to sell a policy, but to educate, inform, and help you in your journey. We want you to have access to the highest quality insurance products at highly competitive rates. We can help you determine what coverage you need and which insurer can best provide it.

 

Getting started in the transportation industry can be confusing, but don’t let that stop you. We’re here  to help you figure out what you need so you can… Travel with Care.