Trucker Liability

Provides legal liability protection for bodily injury and property damage caused by an accident involving a truck that is owned and operated by the insured. There is usually a legal requirement for commercial trucking operations to carry this insurance coverage.

TRUCKER LIABILITY INSURANCE FEATURES:

WHAT IS TRUCKER LIABILITY INSURANCE?

Trucker Liability, also known as Primary Liability or Commercial Auto Liability, provides coverage in the event you are involved in an accident that results in damage to someone else's person or property. This insurance covers the cost of your defense if you are sued due to an accident. It's important to note that Trucker Liability Insurance does not cover damage to your equipment or cargo. To fully protect yourself, you may need to consider adding other complementary policies, such as Physical Damage and Cargo Insurance.

WHO NEEDS TRUCKER LIABILITY?

Trucker Liability is specifically designed for owner-operators with their own authority. This policy is tailored to ensure your protection. If you are an Owner-Operator operating commercial vehicles subject to FMCSA requirements, it is mandatory to have specific insurance coverage to meet FMCSA regulations.

Trucker liability may be one of these required coverages, and in addition, you may also be obligated to carry cargo insurance.

QUESTIONS:

DO YOU REPORT INSURANCE TO THE FMCSA TO GET MY AUTHORITY?

Yes, proof of financial responsibility is required to obtain and maintain operating authority with the FMCSA. One way you can fulfill this requirement is an MCS-90 endorsement issued on your Trucker Liability policy. We will file the appropriate documents with the FMCSA to show the MCS-90 endorsement has been issued on your policy.

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.

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.

Get A Fast, No-Hassle Occupational Accident Truck Insurance Quote!

WAIT, HAVE AN AGENT
CONTACT YOU TODAY!

Get My Quote

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.

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.

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.