Frequently Asked Questions

Get answers to your commonly asked commercial truck insurance questions.


What makes us different?

With 1st Guard you deal directly with your insurance company. There’s no agent or middleman taking a cut of your premium. As a result, we can offer you very competitive rates. Plus, if you have a claim you will deal directly with our in-house licensed truck insurance adjusters. Our people do nothing but work on truck claims all day long. They’re experts at getting you back on the road fast. More than that, when you call 1st Guard real people still answer the phone. You won’t have to navigate through ten menu items to speak with someone. If you need something after hours you can always manage your account online 24/7.

Bundled physical damage insurance with my semi truck loan?

Almost never! You will likely pay higher premiums and interest charges as well. Plus, the salesman can earn commission for packaging the insurance. Before committing to this type of arrangement, call us today at (800) 995-4827. Learn more about our physical damage truck insurance. You'll be surprised how much you can save when you buy your truck insurance direct!

Any tips for reducing my insurance premiums?

You bet! Check out the Truck Insurance Features or call us today at (800) 995-4827. Let our customer service agents walk you through your options.

What is the difference between bobtail and non-trucking liability?

Bobtail liability insurance covers you when you are driving a truck without a trailer whether for business or personal use. Non-Trucking liability insurance is a limited form of liability protection. Insurance for permanently leased owner operators. It applies when a covered vehicle is operated solely for personal and non-economic purposes. It does not apply if pulling a loaded trailer. It does not apply if operating on behalf of a trucking company. It does not apply when vehicle is used for generating revenue. Trip leasing is an example of generating revenue. These types of activities normally fall under the primary auto liability truck insurance. The primary liability insurance is provided by a trucking company.

Why do I need to have Non-Trucking Liability?

Most motor carrier lease agreements require owner/operators to purchase non-trucking liability insurance. The agreement relieves the motor carrier of financial responsibility when you are not under the direction of the motor carrier, and the vehicle is operated solely for personal and non-economic purposes.

Does your towing cover breakdown?

You're covered after an accident. We cover full cost to tow your vehicle to the nearest capable repair facility if rendered inoperable.

How much is the down payment?

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

What is your cancellation policy?

There can be many reasons you might need to cancel your truck insurance. We understand the trucking industry, and know how quickly things can change. If you need to cancel your insurance, just give us a call at (800) 995-4827. We will get you a pro-rated refund for any unused premium.


Do we insure very high value tractors?

Look no further! 1st Guard can insure equipment up to $300,000 in value. Very few tractor and tractor trailer combinations would exceed this limit. In most cases we can accommodate your high value truck insurance needs.

I have a loan on my truck, and my lienholder/finance company wants proof of my truck insurance coverage. What should I send them?

These companies want proof of your physical damage insurance coverage. Just give us a call and we'll handle this for you. You can also download proof of your physical damage coverage online. You can fax or email it to anyone you wish.


Can I keep my coverage if I change trucking companies?

Usually yes, and better yet, your rate should not change. Your situation may affect your policy premium.

Can my trucking company force me to purchase truck insurance through their in-house insurance program?

Generally, no. Trucking companies offer settlement deducted insurance programs for convenience. Most of the time, you are able to buy your own truck insurance. Check with your company first. Then call us and see just how much you can save!