Serving our customers for over 80 years!


1st Guard Corporation started in 1937, as a Detroit based insurance agency. Initially the company sold general lines’ insurance to small businesses. It later created a truck insurance division to supplement its general lines' sales.

Mr. Edmund B. Campbell, Jr. purchased the company in 1965. Recognizing the potential of the truck insurance division, he directed a larger share of the agency’s resources to developing insurance products for independent truckers. His efforts culminated in 1969, when Mr. Campbell, Jr. divested the general lines’ portion of the agency. That made 1st Guard Corporation an exclusive provider of truck insurance programs for owner operators, and the company has never looked back.

In 1991, Mr. Campbell, Jr. sold the company to his son, Mr. Edmund B. Campbell, III. Under Mr. Campbell, III the company embarked upon a growth and automation strategy that led to the formation of First Guard Insurance Company (rated "A" by AM BEST). By writing business directly rather than through agents and brokers, First Guard Insurance Company enjoys one of the lowest cost structures in the insurance industry. This in turn translates into lower premiums for owner operators.

Biglari Holdings Inc. (NYSE BH) acquired the 1st Guard organization in 2014. The advent of a publicly traded parent company presents new opportunities for growth and innovation, but the traditions and people that made 1st Guard the leader in owner operator truck insurance remain in place.

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

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.

Get answers while shopping for a Physical Damage, Non-Trucking Liability, or an Occupational Accident Commercial truck insurance policy. Do you have a specific question about commercial truck insurance? Check out our Truck Insurance Resources. Find answers about high value tractors. Discover what paperwork your lien holder / finance company needs as proof of truck insurance coverage. What to do when changing trucking companies, and more. If you have another question, just send us a message, and one of our semi-truck insurance agents will be in touch right away!

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.

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.

Occupational Accident Insurance provides owner operators with an affordable source of indemnification for work accident injuries.