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Truck insurance DIRECT to truckers.

Physical Damage & Non-Trucking Liability
Trucker Liability / Trucker Cargo Insurance

Forbes Best Commercial Truck Insurance 2024
TRUCK INSURANCE DONE RIGHT!

PHYSICAL DAMAGE

Physical damage insurance, sometimes referred to as collision coverage, pays to fix or replace damaged tractors and trailers. It covers your commercial vehicle 24/7, whether operating for personal or business use. We offer many coverage options to enhance your coverage.

Trucker Premier

The Trucker Premier endorsement package is an add-on package for your physical damage truck insurance policy. This package combines Extended Towing, Truck Rental Reimbursement, and Roadside Assistance for one low price.

NON-TRUCKING LIABILITY

Non-Trucking 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. Non-trucking liability truck 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 truck insurance provided by a trucking company.

 
 
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Fast and Easy

Getting you insured is fast and easy. Speak to one of our semi insurance agents today. Your insurance can be setup over the phone in just a few minutes.

Great Customer Service

When you call 1st Guard, you're greeted with a person, not a computer system. We take pride in knowing the semi truck insurance business – that's what we do.

TRUCKER LIABILITY

Trucker Liability Insurance, also known as Primary Liability, is the foundation of a commercial truck insurance policy. This type of insurance is the minimum amount necessary to operate a trucking business, and is only one piece of protection for your vehicle and cargo. Trucker Liability Insurance will not cover damage to your own vehicle or the goods being transported, but provides legal liability protection.

 

TRUCKER CARGO INSURANCE

Trucker Cargo Insurance protects cargo-carrying trucks against potential risks and liabilities. It provides financial protection in the event of an accident, theft, damage, or other incidents that may occur during the transportation of goods. It differs from the insurance that covers the truck, and protects the owner operator / trucking company if the transported goods get lost, damaged, or stolen.

WHAT DO TRUCK DRIVERS SAY ABOUT US?

Let our Google Reviews speak for themselves.

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ROLAND WILLIAMS

"Very helpful, and quick response Everytime I called for any reason. I'm very satisfied with the service they provide. Thanks everyone."

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BRIAN RAFFERTY

"Never had a better experience with any insurance carrier. First Guard is reliable, dependable, and reasonable."

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STEVE WHEELER

"Always have a great experience dealing with 1st Guard. Professional at all times, and the best value in truck insurance."

WHY CHOOSE 1ST GUARD COMMERCIAL TRUCK INSURANCE

1st Guard has provided commercial truck insurance DIRECT to truckers and fleets for more than 80 years.

Many insurance companies want 6 months of premium to start a policy. At 1st Guard, we charge you monthly. Get trucking without having to spend a ton of cash.

EXPLORE BILLING
Diesel
Winter Road and Semi Truck

TRUCK INSURANCE FEATURES

Our affordable truck insurance is the ideal choice for your needs.

Are you getting towing coverage? Probably not... 1st Guard covers the full cost of towing your vehicle to the nearest capable repair facility in the case of an accident where your vehicle is rendered inoperable due to a covered loss.

We offer instant access to all your documents online. We also offer flexible payment options, one deductible, monthly billing, and a referral program. You could earn $20 off of your next bill for every trucker you refer.

LEARN ABOUT TOWING
FLEET PROGRAM

Are you still managing your equipment and drivers over the phone or email? There is a better way to manage your fleet with our commercial insurance technology.

We offer custom solutions for fleets of any size. Fleet representatives ready to answer all of your questions. Get answers on equipment, drivers, coverage options, or online orders FAST.

Add or remove equipment and drivers inside an easy to use online interface. Change unit numbers and stated values instantly. Setup is simple! Don't settle for second-rate technology to manage your fleet!

EXPLORE FLEET PROGRAMS
Blue Semi Truck

Our Insurance Products

Explore the 1st Guard Commercial Truck Insurance products.