1st Guard is unique in the truck insurance space.
Our primary products, Physical Damage (PD) and Nontrucking
Liability (NTL) coverage, are specific to truckers who are
typically on the road and away from home.
Physical damage truck insurance, sometimes referred to as collision coverage,
pays to fix or replace damaged tractors and trailers. It covers your rig 24/7,
whether operating for personal or business use.
In addition you can enhance
your physical damage protection with a variety of coverage options:
While accidents can occur anywhere in the country you may prefer to have
your vehicle repaired at a shop closer to your home. Extended towing
coverage pays to tow your vehicle from the scene of a covered loss to
any repair location of your choice within 2,000 miles. Extended towing
coverage can be added to your physical damage policy.
You can add downtime coverage to your physical damage policy to give
you added protection against lost income if you have a covered loss.
Downtime coverage can help you keep your truck payment and other bills
current if a covered loss renders your vehicle inoperable for an
extended period of time.
Sometimes trucks depreciate faster than truck loans. Loan gap coverage
can help assure that a total physical damage loss does not leave you
owing your lienholder more than the claim settlement value of your truck.
Emergency Expense Reimbursement
This coverage reimburses you for any extra lodging, transportation and
telephone expenses you might incur as a result of a covered physical
damage loss. Add emergency expense reimbursement coverage to your
physical damage policy today.
Truck Rental Reimbursement
Having a physical damage loss doesn't mean you have to stop trucking.
When you add truck rental reimbursement coverage to your physical
damage policy you can rent a replacement vehicle and receive
reimbursement for a large part of the rental cost.
This coverage extends your truck physical damage protection to
scheduled personal items (computers, tools, televisions, etc.) you
keep in your truck.
No Deductible Glass
This option allows you to eliminate the deductible for windshields.
This coverage will reimburse you for roadside assistance services if a designated
truck or trailer is rendered inoperable owning to a mechanical malfunction that
occurs more than 100 miles away from the address listed on the policy.
Tarps, Chains and Binders
An essential coverage for anyone who operates a flatbed trailer as
these items are frequently lost or stolen. When you add Tarps, Chains
and Binders coverage to your physical damage policy you will have
important protection for these expensive components.
Non-Trucking Liability Truck Insurance
Simply stated non-trucking liability truck insurance provides a permanently
leased owner operator with a limited form of liability protection. Specifically
it applies when a covered vehicle is operated solely for personal and non-economic
purposes. Non-trucking liability truck insurance never applies when an owner
operator pulls a loaded trailer, operates on behalf of a trucking company or
uses a vehicle for any revenue generating purpose like trip leasing. These
types of activities normally fall under the primary auto liability truck
insurance provided by a trucking company.
Occupational Accident Insurance
Occupational Accident Truck Insurance
Occupational Accident Truck Insurance provides owner operators with an affordable source of indemnification
for work accident injuries. This coverage offers important benefits for Accidental Death and Dismemberment,
Accident Medical and Accident Disability Income. It is suitable and effective for owner-operators who do not
fall under the requirements of worker's compensation statutes.
Worker’s Compensation Insurance For Fleet Owners
Most states require fleet owners with employee drivers to carry workers compensation insurance. This coverage
option is available only to fleet drivers participating on our select motor carrier sponsored occupational
accident programs. Please call to request an application.
Passenger Accident Insurance
Passenger accident insurance is designed to cover friends and family members who travel as passengers in an
owner operator’s truck. If a non-driving passenger is injured this coverage helps pay the medical bills.
Passenger Accident Insurance
Passenger Accident insurance is for friends and family members who travel with an
owner operator and are injured during an accident. Passenger Accident insurance
offers affordable protection and peace of mind for those times when someone else
comes along for the ride.
Click on any of the payment options below if you have any questions.
We accept Visa, MasterCard, American Express, and Discover. We also offer
an automatic payment plan where we bill your credit card once a month.
This will eliminate deposit and escrow requirements and in most cases
lower your monthly premium. You may also make your payment by credit
card over the internet.
This billing option allows you to set up your account to have your
premium payment automatically withdrawn from your checking or savings
account. With direct debit you will never have to worry about making
premium payments while you are on the road and as with credit cards,
in most cases, this will lower your monthly premium.
We accept personal checks, company checks, or money orders
as payment on your account.
Comchecks are also accepted as payment.
EFS checks are also accepted as payment.
Don't have a credit card and need to get your insurance right
away? We can accept a check as payment immediately if you fax
it to us. Just call first so we can verify the check information
Have your premiums deducted directly from your settlement
check when your trucking company signs up with 1st Guard