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Commercial Trucking Insurance

Lexington, North Carolina Insurance Agent

As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Primary Liability – Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or insure that the leased operator carries it on their own. Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

Cargo Insurance – Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

Physical Damage (Collision, Specified Perils) – Provides coverage for repair or replacement for damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

Occupational Accident – Product designed specifically for owner operators in the trucking industry. In most states, by being self-employed owner operators can opt out of state mandated workers compensation coverage. While not the same as workers compensation, occ/acc is similar in scope and intent. Most motor carriers require their leased operators to be covered either by workers compensation or occ/acc at the leased operators expense. For those who qualify, occ/acc is generally a lower cost alternative.

At Breeden Insurance Services our Commercial Trucking division is headed by Spencer Breeden. Spencer spent the last few years specializing as a Commercial Trucking Underwriter with a nationally renowned Trucking Insurance Company. He is knowledgeable about current industry trends, regulations, and safety technology.

As part of Breeden’s customer service Spencer makes it a priority to visit each customer and offers his expertise in helping your account get up to par with the ever changing FMCSA regulations. Safety comes first and we make it our mission to help all of our customers achieve their safety goals.

Our various markets provide coverage for you regardless of the size, operating radius, or commodities hauled. See our carriers below: 

For those customers still seeking a solution for the ELD mandate or a more reliable form of electronic logbooks our friends at Keep Truckin can help.

Please fill out a form to have a producer contact you regarding your upcoming renewal.