Coverage Options
Work Truck & Fleet Insurance
Every policy a work-truck or fleet business needs — in one place, from specialists who know commercial vehicles.
Commercial Auto Insurance
Commercial auto is the foundation of work-truck and fleet coverage. It protects your vehicles, drivers, and your business against liability from at-fault accidents on the road.
Hired & Non-Owned Auto
Hired & non-owned auto (HNOA) covers liability when employees use personal or rented vehicles for business — a common and frequently overlooked gap in work-truck programs.
General Liability Insurance
General liability protects your business against third-party claims of bodily injury or property damage that happen at job sites, customer locations, or your own premises — separate from auto exposure.
Motor Truck Cargo Insurance
Motor truck cargo insurance covers the property you transport — materials, goods, and equipment — against loss or damage while in transit, a gap that auto and property policies leave open.
Physical Damage Insurance
Physical damage insurance covers your own trucks against collision, theft, fire, vandalism, and weather — paying to repair or replace your vehicles so a loss doesn't take a truck off the road for good.
Tools & Equipment Insurance
Tools & equipment insurance (inland marine) covers the tools, gear, and portable equipment your crews use — protecting them against theft and damage on the job site, in the truck, and in transit.
Workers Compensation Insurance
Workers comp is legally required from your first employee in most states and provides medical and wage-replacement benefits to drivers and crew injured on the job.
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