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.
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
- 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."
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)
