Physical Damage Insurance

Physical damage insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. 1st Guard® has very competitive physical damage options. We
also offer low deductible policies so our customers do not have to struggle with
high out-of-pocket costs when claims occur.

Available Physical Damage Coverages - Fine tune your coverage to match your needs with
these available physical damage options.

Extended Towing
While accidents can occur anywhere in the country you may prefer to have your vehicle
repaired at a shop closer to your home. Extended towing coverage pays to tow your
vehicle from the scene of a covered loss to any repair location of your choice within
2,000 miles.  You can add extended towing coverage to your physical damage policy.

Downtime
You can add downtime coverage to your physical damage policy to give you added
protection against lost income if you have a covered loss. Downtime coverage can help
you keep your truck payment and other bills current if a covered loss renders your
vehicle inoperable for an extended period of time.

Loan Gap
Sometimes trucks depreciate faster than truck loans. Loan gap coverage can help assure
that a total physical damage loss does not leave you owing your lienholder more than the
claim settlement value of your truck. 

Emergency Expense Reimbursement
This coverage reimburses you for any extra lodging, transportation and telephone
expenses you might incur as a result of a covered physical damage loss. You can add
emergency expense reimbursement coverage to your physical damage policy.

Truck Rental Reimbursement
Having a physical damage loss doesn't mean you have to stop trucking. When you add
truck rental reimbursement coverage to your physical damage policy you can rent a
replacement vehicle and receive reimbursement for a large part of the rental cost.

Contents
This coverage extends your truck physical damage protection to scheduled personal items (computers, tools, televisions, etc.) you keep in your truck. 

Deductible Buy-Back
If your trucking company makes you contractually responsible for cargo or trailer damage
this coverage will come in handy. You can add it to your physical damage policy with a limit
of up to $10,000. 

Tarps, Chains and Binders
An essential coverage for anyone who operates a flatbed trailer as these items are
frequently lost or stolen. When you add Tarps, Chains and Binders coverage to your
physical damage policy you will have important protection for these
expensive components.

Non-Trucking Liability Insurance

Simply stated nontrucking liability insurance provides a permanently leased owner operator with a limited form of liability protection. Specifically it applies when a covered vehicle is operated solely for personal and non-economic purposes. Nontrucking liability insurance never applies when an owner operator pulls a loaded trailer, operates on behalf of a trucking company or uses a vehicle for any revenue generating purpose like trip leasing. These types of activities normally fall under the primary auto liability insurance provided by a trucking company.

 

Occupational Accident Insurance

Occupational Accident Insurance provides owner operators with an affordable source of indemnification for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment, Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not fall under the requirements of worker's compensation statutes.

• Worker’s Compensation Insurance For Fleet Owners.  Most states require fleet owners with employee drivers to carry workers compensation insurance. The coverage is available in conjunction with occupational accident insurance.  

Download an occupational accident application here.

Payment Options
Fleet Deduction
Have your premiums deducted directly from your settlement check when your trucking company signs up with 1st Guard Corporation.

Credit Card (automatic payment option #1)
We accept Visa, MasterCard, American Express, and Discover. We also offer an automatic
payment plan where we bill your credit card once a month. This will eliminate deposit and escrow requirements and in most cases lower your monthly premium. You may also make your
payment by credit card over the internet.

Download an automatic credit card form here.

Direct Debit - ACH (automatic payment option #2)
This billing option allows you to set up your account to have your premium payment automatically withdrawn from your checking or savings account. With direct debit you will never have to worry about making premium payments while you are on the road and as with credit cards in most cases this will lower your monthly premium.

Download a direct debit form here.

Check
We accept personal checks, company checks, or money orders as payment on your account.

Comcheck
Comchecks are also accepted as payment.

EFS Checks
EFS checks are also accepted as payment.

Check by Fax
Don't have a credit card and need to get your insurance right away? We can accept a check as payment immediately if you fax it to us. Just call first so we can verify the check information once received.

 

Passenger Accident Insurance

Passenger Accident Insurance For Friends and Family Members who travel with an owner operator can get hurt in the truck. Passenger accident insurance offers affordable protection and peace of mind for those times when someone else comes along for the ride.