Trucking Insurance Built for Serious Motor Carriers
Protect your authority, your equipment, and your revenue with coverage designed for owner-operators and growing fleets.
Fast quoting. DOT-aware support. Carrier access through a multi-market brokerage approach.
Who This Is For
We specialize in insurance solutions for:
- Owner-operators running under their own authority
- Small to mid-size trucking fleets
- Dry van, flatbed, reefer, and specialized haulers
- New authorities getting DOT-compliant coverage
- Established carriers scaling their operations
If your business moves freight, we protect the operation behind it.
The Real Problem in Trucking Insurance
Most trucking companies do not struggle with finding insurance. They struggle with:
- Overpriced premiums from limited markets
- Poorly structured policies that do not fit their operation
- Slow filings that delay authority activation
- Gaps in coverage that show up only after a loss
- Lack of support when DOT or claims issues arise
We built TrueGuard Insurance to fix that.
The Right Coverage for Your Operation
No two trucking businesses are the same. Select your fleet type to see coverage built for your exact situation.
1 Truck. Your Authority. Full Protection.
Running under your own MC authority? We structure your coverage to satisfy broker requirements, protect your personal assets, and keep you moving on every load board.
Exact pricing requires a 5-minute phone review of your operation.
Long-Haul Fleets
Over-the-Road Semi-Trucks
Local & Last Mile
Box Trucks & Delivery Vans
Specialized & Dirt
Dump Trucks & Heavy Haulers
Complete Trucking Coverage System
This is not a basic policy list - this is a full operational risk program.
Core Auto and Liability Protection
- Primary Auto Liability
- Physical Damage (Tractor and Trailer)
- Motor Truck Cargo Coverage
- General Liability (where required)
Operational Coverage
- Non-Trucking Liability (Bobtail Coverage)
- Trailer Interchange Agreements
- Occupational Accident Coverage (Owner-Operators)
- Hired and Non-Owned Auto (if applicable)
Freight and Asset Protection
- Cargo Coverage for hauled goods
- Reefer Breakdown Coverage (temperature-sensitive)
- Rental Reimbursement (when equipment is down)
- Downtime Protection Options (carrier dependent)
Compliance and Authority Support
- MCS-90 Filing Support
- Certificate of Insurance Issuance
- FMCSA / DOT Filing Assistance (BOC-3 coordination)
- Lender / Broker Compliance Requirements
What Makes TrueGuard Different
We are not a "quote and disappear" agency. We operate as a transportation risk partner, meaning:
- We structure coverage based on your actual operation - not templates
- We access multiple carriers to avoid one-size-fits-all pricing
- We help you stay compliant, not just insured
- We support growth from 1 truck to fleet expansion
Most agencies sell policies. We build trucking insurance systems.
Built for Growing Carriers
As your business scales, your risks change. We help you scale coverage the right way so insurance never becomes the bottleneck in your growth.
Common Scenarios We Help With
We handle the complex transitions so you can focus on moving freight.
Why Trucking Clients Choose TrueGuard
The little things that make a massive difference when your livelihood is on the road.
Multiple Markets
Access to 25+ trucking insurance carriers so you never get stuck with one option.
Fast Turnaround
Quotes within 48 hours. Certificates issued same day. No waiting around.
Custom Structuring
Coverage built around your lanes, commodities, and fleet size - not a template.
Human Support
Real agent access. Call or text and get a person who knows your policy.
Local + Multi-State
Winston-Salem based agency with multi-state carrier relationships and DOT expertise.
"TrueGuard didn't just sell us a policy - they built a risk program that scaled with us. When we went from 3 trucks to 15, they handled the mid-term additions flawlessly and kept our certificates moving so we never missed a load."
Target Classes
Eligible Trucking Operations
We have dedicated insurance markets for almost every type of freight and trailer operation.
Dry Van & General Freight
Standard FTL and LTL operations hauling non-hazardous consumer goods, electronics, and retail products.
Refrigerated (Reefer)
Temperature-controlled freight including produce, meat, pharmaceuticals, and perishable goods with Reefer Breakdown coverage.
Flatbed & Step Deck
Building materials, machinery, steel, and oversized loads requiring specialized load securement liability.
Dirt, Sand & Gravel
Dump trucks, end dumps, and belly dumps operating locally or regionally for construction and aggregate hauling.
Auto Haulers
Car carriers requiring specialized cargo limits and constructive total loss provisions for high-value vehicles.
Intermodal & Container
UIIA compliant coverage for drayage operations moving containers from ports and rail yards.
Frequently Asked Questions
Everything you need to know about trucking insurance with TrueGuard.
Get Covered the Right Way
Whether you are running your first truck or managing a growing fleet, your insurance should support your operation - not slow it down.
(We will review your operation and match you with the right carrier strategy)
Why TrueGuard Insurance
The Independent Advantage
As an independent insurance agency based in Winston-Salem, NC, TrueGuard Insurance serves individuals, families, and businesses with personalized coverage and honest guidance — across multiple states and growing.
Independent Agency
We represent multiple A-rated carriers and shop the market on your behalf — so you get the best coverage at the most competitive rate, not just what one company offers.
15+ Years of Experience
Matt Nelson brings over 15 years of hands-on experience in commercial trucking, construction equipment, finance, and insurance — giving you guidance backed by real industry knowledge.
Local North Carolina Expertise
Based in Winston-Salem and serving clients throughout the Piedmont Triad and across North Carolina, we understand the unique risks and regulations that affect our region.
Personalized Solutions
No two clients are the same. We take the time to understand your specific situation and build a coverage program tailored to your needs — not a one-size-fits-all policy.
Claims Guidance & Support
When a claim happens, we're in your corner. We guide you through the process step by step so you're never left navigating a difficult situation alone.
Responsive Service
We prioritize fast turnaround on quotes, certificates of insurance, and policy changes. You shouldn't have to chase your agent — we stay ahead of your needs.
Specialized Programs
We offer access to specialized insurance programs for trucking, construction equipment, dealer programs, and more — markets that most standard agencies simply cannot access.
Ongoing Policy Reviews
Insurance needs change. We proactively review your policies to identify coverage gaps, eliminate unnecessary costs, and ensure your program keeps pace with your life and business.
