About

We are an Illinois based insurance agency that delivers unparalleled customer service to meet your commercial trucking insurance needs. From the single owner/operator to the large fleet owner, we can help design the complete insurance package that protects your company and meets your specific requirements.

Our Knowledge of the trucking industry means lower premiums for our customers. Our background gives us the ability to offer invaluable advise.

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Coverages

PRIMARY LIABILITY

Primary liability coverage pays for damage or injuries to others caused by an accident for which the covered driver is responsible. A minimum of $750,000 coverage is normally required for most vehicles over 10,000 pounds gross vehicle weight. However, we recommend protecting yourself and your drivers with at least $1,000,000 or more, which is more in line with industry standards.

CARGO

Protection required under the Motor Carrier Act of 1935. The policy covers the motor truck carrier if it is legally liable for the damage, destruction, or other loss of the customer's property being shipped. This includes lost packages, broken contents, and stolen articles.

PHYSICAL DAMAGE

Physical Damage coverage protects your tractor, trailer, and other covered equipment in the event of an accident.

GENERAL LIABILITY

Coverage for an insured when negligent acts and/or omissions result in bodily injury and/or property damage on the premises of a business, when someone is injured as the result of using the product manufactured or distributed by a business, or when someone is injured in the general operation of a business.

"general liability insurance." dictionary of business terms. Barron's educational series, inc, 2000. Answers.com 20 jul. 2009. http://www.answers.com/topic/general-liability-insurance

NON-TRUCKING LIABILITY/BOBTAIL

Coverage of a common carrier for liability on trucks that have delivered their cargo and are on the way back to the terminal. The company that hires the truck assumes liability while the truck is loaded, but after delivery, that firm's liability ends. The carrier can be protected by bobtail liability coverage for the return trip.

"Bobtail Liability Insurance." Dictionary of Insurance Terms. Barron's Educational Series, Inc, 2000. Answers.com 20 Jul. 2009. http://www.answers.com/topic/bobtail-liability-insurance

WORKERS COMPENSATION

Financial support system established under law to provide income, medical care, and rehabilitation to employees for illness, injury, or death arising out of, and in the course of, their employment whether or not the employee was at fault. These benefits are claimed by the employees (or their dependents) as a matter of right and the employer cannot resort to any legal defense. Amount paid as compensation is based on the salary of the employee (also on the number of his or her dependents in some jurisdictions) and is usually subject to a specified maximum. In most countries, this system is compulsory although agricultural and domestic workers are generally excluded. Also called workmen's compensation.

"Workers’ Compensation Insurance." Business Dictionary. BusinessDictionary.com 20 Jul. 2009. http://www.businessdictionary.com/definition/workers-compensation.html

OCCUPATIONAL ACCIDENT

Coverage of a common carrier for liability on trucks that have delivered their cargo and are on the way back to the terminal. The company that hires the truck assumes liability while the truck is loaded, but after delivery, that firm's liability ends. The carrier can be protected by bobtail liability coverage for the return trip.

"Bobtail Liability Insurance." Dictionary of Insurance Terms. Barron's Educational Series, Inc, 2000. Answers.com 20 Jul. 2009. http://www.answers.com/topic/bobtail-liability-insurance

ROAD SIDE ASSISTANCE

Triple A coverage for truckers. Tows up to 50 miles at no cost to you.