We’re Your Trucking & Fleet Specialists in Nevada.
Owner operator and truck insurance solutions for Nevada truckers and fleets.
Our dedication to assisting truckers extends beyond our home state. Our goal is to add every state across the country so that we can continue to expand our reach in helping truckers.
We pride ourselves on being a company that puts the customer first. We understand that when it comes to insurance, you need a company that you can trust to help you navigate through the complex process.
Our team of truck insurance agents are dedicated to helping you craft the right policy for your needs, and we will work with you every step of the way to ensure that you are satisfied.
What Does Trucking Insurance Cover?
Commercial trucking insurance is similar to commercial auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use. A commercial trucking policy is designed to protect your business from significant losses that could affect your company’s financial well being.
Commercial trucking insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:
Primary Liability
Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.
Physical Damage
Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.
Cargo Insurance
Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.
Truckers General Liability
Simply put, CGL guards you, your business, and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts.
Occupational Accident
Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent.
Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.
States Where We Provide Insurance Services.
Head office located at: 3037 E Warm Springs Rd Ste 200 - 4
Las Vegas Nevada 89120.
Give us a call: 702-444-2367
