Specialty Programs for High-Value Assets.
Trucking. Construction. Dealerships. Floorplan exposure.
We design and structure insurance programs for operators who cannot afford gaps in coverage, downtime, or financing exposure.
TrueGuard Insurance specializes in commercial risk placement for:
We are not a general insurance agency - we structure industry-specific risk programs.
We Do Not Sell Policies. We Structure Risk Programs.
Most agencies quote insurance. We build coverage systems around how your business actually operates.
Core Specialty Programs
Elite verticals designed to protect your physical assets, financing, and operational continuity.
Trucking Insurance Programs
Authority-ready insurance programs for owner-operators and fleets.
- Primary Liability and Physical Damage
- Motor Truck Cargo Coverage
- Non-Trucking Liability (Bobtail)
- Trailer Interchange
- DOT compliance support and filings
Designed for carriers who need speed, compliance, and scalability.
Construction Equipment Programs
Full asset protection for contractors and equipment-driven businesses.
- Inland Marine / Equipment Floater
- Scheduled and Unscheduled Equipment Coverage
- Jobsite and Transit Protection
- Equipment Breakdown and Rental Reimbursement
- Theft, vandalism, and weather protection
Built to protect uptime, equipment, and job completion.
Dealer F and I Programs
Increase profit per unit sold with structured F and I protection products.
- Vehicle Service Contracts (VSC)
- GAP Coverage
- Tire and Wheel Protection
- Appearance Protection
- Theft Protection / GPS Recovery
- Short-term physical damage coverage (10-30 day)
Built to increase backend profit and F and I penetration.
Dealer Floorplan and Open Lot
Inventory and financing protection for truck and equipment dealerships.
- All-risk physical damage coverage
- Transit and off-site inventory protection
- $1M unit limits and lender-aligned structuring
- False pretense and spot delivery coverage
- CAT protection (hail, wind, flood, tornado)
- Consignment and bailment coverage
- Flexible reporting and payment structures
Built to protect inventory AND financing exposure.
Equipment Rental Protection Program
Rental Equipment Damage Waiver Program and operational risk solutions.
- Rental Loss Damage Waiver (LDW)
- Point-of-Sale Protection
- Equipment damage protection while on rental
- Rental transaction efficiency
- Dealer asset protection
- Flexible operational integration
Protect Rental Equipment. Simplify Transactions.
Who We Work With
We support commercial operators who are actively growing:
Trucking companies
Scaling fleets and managing driver compliance.
Contractors
Managing heavy equipment investments across sites.
Dealers
Increasing unit turnover and F and I revenue.
Rental Operations
Protecting rental equipment while out on rental.
Asset-Heavy Businesses
Exposed to physical asset and financing risk.
Why Specialty Programs Matter
Standard insurance breaks down when:
Specialty programs exist to eliminate those gaps.
Our Process
How we structure your risk program.
Step 1: Risk Review
We evaluate your operation, assets, and exposure.
Step 2: Program Design
We structure coverage based on how your business actually operates.
Step 3: Market Placement
We match you with the right carrier programs.
Step 4: Implementation
Certificates, compliance, and coverage issued quickly.
Let us Structure Your Coverage the Right Way
Whether you are running trucks, managing equipment, or moving dealer inventory - you need a program built around your exposure, not a generic policy.
