Trucking Insurance
Guardian Insurance Agency
Protect your trucks, your cargo, and your business on the open road.
Trucking carries bigger risks heavier vehicles, longer routes, stricter rules, and contracts that demand precise wording. A tailored trucking insurance program helps safeguard public liability, your tractors and trailers, and the freight you haul so one crash or cargo loss doesn’t stop your operation.
Core Coverages for Motor Carriers & Owner‑Operators
(Coverage varies by carrier and state. We’ll tailor limits, deductibles, and filings to your authority and routes.)
Auto Liability (Primary)
- Public liability for bodily injury and property damage caused by your commercial vehicles.
- Meets required filings (e.g., MCS‑90, BMC‑91X) based on your authority.
Physical Damage (Tractors & Trailers)
- Collision (repairs after a crash).
- Comprehensive (non‑collision: theft, fire, vandalism, hail, glass).
- Options: Towing, Gap, Sound/Custom equipment.
Motor Truck Cargo
- Protects freight you haul against covered losses in transit.
- Options: Reefer breakdown/temperature deviation, Earned freight, Debris removal, Pollution clean‑up (cargo spill), Loading/unloading, High‑value commodities scheduling.
Trailer Interchange
- Liability and physical damage for non‑owned trailers under interchange agreements.
Bobtail / Non‑Trucking Liability
- Liability when a tractor runs without a trailer or the driver is off dispatch (leased to a carrier).
General Liability (Premises/Operations)
- Slip‑and‑fall and premises exposures at your yard/terminal; contracts may require additional insured wording.
Hired & Non‑Owned Auto (HNOA)
- Liability for rented vehicles and employee‑owned vehicles used on company business.
Workers Compensation / Occupational Accident
- Employees: Workers Comp for on‑the‑job injuries.
- 1099/Leased O/Os: Occupational Accident with Contingent Employers Liability (where applicable).
Umbrella / Excess Liability
- Higher limits over Auto, GL, and Employers Liability for catastrophic claims.
Filings, Certificates, and Compliance (We Handle the Paperwork)
- MCS‑90 endorsement, BMC‑91/91X proof of financial responsibility.
- Form E/Form H (state filings), cargo filings where required.
- Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation language on COIs to meet shipper/broker requirements.
- Fast COI turnarounds, including per‑shipment wording.
What Drives Price (and How to Improve It)
- Radius & routes (local, regional, long‑haul), states/metro areas run.
- Commodities (general freight vs. high‑theft or hazmat) and cargo limits.
- Driver files (MVRs, experience, violations), CSA scores, and claims history.
- Equipment (year, make, safety tech), garaging, anti‑theft, and maintenance logs.
- Telematics/dashcams, ELD data showing speed, hard braking, and hours compliance.
- Selected limits, deductibles, and required contract endorsements.
Practical Risk Controls (That Also Help Underwriting)
- Driver standards: MVR review cadence, minimum experience, road tests, violation guidelines.
- Training & coaching: Defensive driving, cargo securement, hazmat (if applicable), winter weather protocols.
- Telematics & cameras: Event data reduces severity and speeds claim resolution.
- Maintenance: Document PM schedules, DVIRs, tire/brake checks, annual inspections.
- Cargo security: Seals, locks, parking policies, geofences, no‑stop windows for high‑risk loads.
- Claims readiness: Incident kits, supervisor call trees, photo/video capture, tow/vendor partners.
Common Contract Requirements (We’ll Align Your Policy)
- AI (Additional Insured) and P&NC (Primary & Non‑Contributory) wording.
- Waiver of Subrogation.
- Specific cargo limits per commodity (e.g., $250k–$500k for electronics/pharma)
- Reefer breakdown terms (waiting periods, set‑point verification).
- Trailer interchange limit matching the agreement.
The Guardian way
We review your routes, commodities, equipment schedule, and contract demands, then build a trucking program that balances coverage, cost, and compliance. We place the right filings, set cargo and reefer limits that match your loads, and deliver clean COIs fast so wheels keep turning.
Guardian Insurance Agency — Proper protection—prior to peril.
- Liability and physical damage for non‑owned trailers under interchange agreements.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705