Products and Services

245-1 Land Grant Street, Saint Augustine, Florida 32092 United States

Your Premier Commercial Trucking Insurance Agency

Commercial Auto Liability Coverage

Bodily Injury Liability

Property Damage Liability

Provides coverage in the event vehicle causes injury or death to another person and the insured is considered at fault for the accident. It covers expenses related to medical costs, lost wages, sickness, death and pain and suffering for an injured third party. It also covers legal defense costs related to claims against covered damages.

Property Damage Liability

Provides coverage in the event a covered vehicle causes damage to any property and the insured is considered at-fault for the accident. It also covers legal defense costs related to claims against covered damages.

Nontrucking Liability

Property Damage Liability

Uninsured & Underinsured Motorist

This insurance offers coverage for damages or injuries to others while the truck is not dispatched on a job. The coverage is sometimes referred to as deadhead coverage or bobtail liability.

Uninsured & Underinsured Motorist

Provides coverage for damages which an insured is legally entitled to recover from another party who is considered at fault, but is uninsured or underinsured for the level of damages incurred.

Personal Injury Protection

Uninsured & Underinsured Motorist

Non-owned & Hired Auto Liability

An extension of car insurance available in some states which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those “no-fault” laws.

Non-owned & Hired Auto Liability

Uninsured & Underinsured Motorist

Non-owned & Hired Auto Liability

Non-owned & Hired Auto liability covers bodily injury and property damage caused by a vehicle you hire (including rented or borrowed vehicles) or caused by non-owned vehicles(vehicles owned by others, including owned by employees.

Physical Damage & Cargo Coverage

Comprehensive Coverage

Combined Deductible Coverage

Comprehensive Coverage

Provides coverage in the event of a loss or damage to an insured vehicle caused by incidents other than a collision. This includes damaged due to fire, theft, vandalism, windstorm or contact with an animal.

Collision Coverage

Combined Deductible Coverage

Comprehensive Coverage

Provides coverage in the event of a loss or damage to an insured vehicle caused by a collision or overturn. Collision must be written with Comprehensive or Fire and Theft with Combined Additional Coverage’s.

Combined Deductible Coverage

Non-owned Trailer Physical Damage

Allows you to pay one deductible that covers the truck, the trailer, and the cargo, instead of paying separate deductibles for each.

Non-owned Trailer Physical Damage

Coverage insures the trailer you are pulling for someone else in the event of loss. $20,000 is somewhat standard for trailers.

Trailer Interchange

Non-owned Trailer Physical Damage

Trailer Interchange

Coverage protects a non-owned trailer you are pulling when there is an interchange agreement in force for physical damage.

Motor Truck Cargo

Non-owned Trailer Physical Damage

Trailer Interchange

Cargo Insurance covers the property being transported by the trucker. Coverage and limits vary on the type of commodity being hauled and the value necessary to cover the load. We can discuss and tailor to your needs in order to offer you the best company for the most competitive price.

Other Coverages

General Liability

Warehouse Legal Liability

Workers Compensation

Protects the business for any property damage or bodily injury that might occur which does not involve a truck. This includes accidents at your place of business, advertising related and/or contractual risks.

Workers Compensation

Warehouse Legal Liability

Workers Compensation

Insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Warehouse Legal Liability

Protects goods stored at specified locations in the event of loss. For example as relates to theft, fire, sprinkler damage. This amount of coverage is dependent on the total amount of goods stored at the location at any one time.

Broker Bonds

Occupational Accident

Warehouse Legal Liability

A freight broker bond is a form of insurance that is required by the FMCSA and protects against fraud or unethical actions by a anyone operating as a transportation broker. Some may be allowed to use a BMC-85 trust fund instead of a freight broker bond.

Occupational Accident

Insurance provided by the motor carrier and intended to protect independent contractors and owner operators. This covers a driver if he is injured or killed on the job. In the event of such an accident, trucker occupational accident insurance pays for the driver’s medical bills, disability leave, or reimbursements to his family.