Fisher Insurance Agency, Inc., Commercial Truck Insurance Specialists providing coverage for any Truck Business, from Owner Operators to Fleets.
Fisher Insurance was started as a commercial agency focusing on insurance for trucking companies. We have since branched out and started offering personal coverage, but trucking & transportation insurance is our foundation. Our Agents have been in the transportation industry for over 20 years and saw how difficult it was for trucking companies to get proper coverage by an agency that actually understood their business. We saw many trucking companies that were insured by agents that knew very little about exactly what they did. This disconnect created was causing trucking companies to pay way too much for their premiums and to not be properly insured.
We offer the best Trucking Insurance options – Click here to complete our Online Truck Insurance INFO Form for a Quote
Premiums for Motor Truck Cargo insurance, General Liability Insurance, and Commercial Auto Insurance have gone through the roof in recent years. Our goal in starting the agency was to find every option available, so our clients would not only be able to get the right coverage for what they do, but also have choices that might end up saving them thousands in the long run. We have partnered with some of the best insurance carriers on the planet in order to help you stay profitable.
Our knowledgeable staff has been extensively trained on the in’s and out’s of these types of policies. The typical personal lines agency knows very little about the coverage that you need. Trucking and transportation insurance is complicated. We understand your business and we will find the coverage that fits you best. And hopefully save you money along the way.
We also offer online certificate creation
This means that you will be able to create a certificate, 24 hours a day, on your phone, tablet or computer. You’ll never lose a load again because your agent doesn’t have time to handle your request. Just fill in a couple fields with the name, and address of your certificate holder and you can print, email or fax it immediately. If you don’t want to deal with doing it yourself, we are always more than happy to process your request. And we won’t make you wait so long that you lose a job because of it!
Choose from a wide variety of policy types
We can help with the following policy types and many more:
- Motor Truck Cargo Insurance
- Commercial Auto Insurance
- General Liability Insurance
- Garage Keeper’s Insurance
- Bobtail Insurance
- Trailer Interchange Insurance
- LTL Freight Insurance
- Livery Insurance
- Limousine Insurance
- Contingent Cargo Insurance
- Excess Cargo Insurance
- Worker’s Compensation Insurance
Truck Insurance Basics
Owner Operator(s) with Authority
As an owner operator, you need your own commercial truck insurance. These include Liability, Bodily Injury Liability and Property Damage Coverage, Physical Damage, Motor Truck Cargo, and Motor Truck General Liability Insurance. Fisher Insurance will help make sense of it all and make sure you are fully protected.
Leased Owner Operator(s)
Truck owner(s) and driver(s) leased to a motor carrier with authority. The lease agreement determines the insurance requirements needed. In most cases, the motor carrier provides Primary Liability Insurance when you are working for them or on dispatch. You may need to purchase additional coverages including, Non-trucking Liability, Bobtail, Physical Damage and Motor Truck Cargo insurance. Fisher Insurance will help make sense of it all and make sure you are fully protected.
Primary Liability also known as Primary Auto Liability
Insurance that covers damages to someone else’s property, or injury(s) to others in an accident where you are at fault. This protection (for the public) is required by the FMCSA to obtain authority.
Coverage for damages and injuries to others while your truck is not dispatched on a job, when using truck for personal use.
Insurance to help fix damage to your truck if involved in an accident or protect your truck from theft.
Motor Truck Cargo
Insurance that protects you if the load your truck is carrying is damaged, lost or stolen during transit.
This insurance covers you and your truck when not hauling a trailer or other load. For example, you drop off a load in Hartford and bobtail to Boston to pick up your next load (even if for a different company)…Bobtail insurance covers you during that portion of the trip. Bobtail also applies when you drive (tractor) home after dropping off the trailer (load).
This coverage protects from risks that happen when not driving or on the road, such as a slip and fall at the office or property damage at a clients office or on their premises.
Liability coverage while your truck is being operated with an attached trailer that is empty without any load, or without a trailer at all, whether you have been dispatched or not.
Physical Damage insurance for trailers being pulled under a trailer interchange agreement. Physical Damage insurance for non-owned trailers. Protects you if trailer is damaged by a collision, fire, explosion, theft, or vandalism. Since you don’t own the trailers, they require separate insurance because they aren’t covered under your regular Physical Damage Insurance.
Roadside Assistance Coverage – optional with Physical Damage
Provides towing coverage for a mechanical failure or breakdown. Also may include jump starts, fuel delivery, tire delivery and replacement assistance, lockout and key replacement, oil, fluid and water delivery, winching and extricating, mobile mechanic and hotel and travel discounts.
Rental Reimbursement/Downtime – optional with Physical Damage
This coverage helps you get back on the road in a rental vehicle or helps you make your truck payments and cover other bills if your vehicle is inoperable after an accident.
Starting a Trucking Business? We will guide you step by step through the process.
- Motor Carrier/DOT filing with the docket number.
- Federal Employer Identification Number (FEIN) and proof of number from the IRS.
- Apportioned plates (IRP registration)
- International Fuel Tax Agreement (IFTA)
- Workers’ Compensation
- Cargo Insurance
Contact Fisher Insurance
Fisher Insurance is here to help with all of your trucking and transportation insurance needs. Let us show you the difference between us and the agency you are currently doing business with. We think you’ll be pleasantly surprised. Call today for a free quote