1st Guard

Leased owner-operator coverage

Non-trucking liability is for permanently leased owner-operators using the vehicle for personal, non-economic purposes.

It excludes pulling a loaded trailer, working for a motor carrier and revenue-generating use. It does not replace primary liability.

Physical damage covers insured tractor or trailer damage from a covered loss, during business or personal use.

Monthly billing advertised. Your vehicles, coverage and deductibles determine the quote; a standard truck premium is not published.

1st Guard says customers can call to cancel and receive a pro-rated refund of unused premium. Check the effective date and any policy-specific conditions.

Own-authority liability and cargo

Trucker Liability covers liability for accident-related injury or damage to others and includes defense costs. Equipment and cargo need separate coverage.

1st Guard says it files the appropriate FMCSA documents for its Trucker Liability policy. Confirm the filings and effective date your authority needs.

Cargo coverage applies to freight hauled by a scheduled truck. The product page does not publish commodity exclusions or a standard limit.

Own-authority liability, physical damage and cargo address different losses. Match the coverage to your authority, equipment and freight.

Coverage terms can vary by state and exclusions apply. Confirm your state, operation and endorsements in the actual policy.

Equipment protection

Physical damage covers insured tractor or trailer damage from a covered loss, during business or personal use.

Equipment values up to $300,000 advertised. Confirm the insured units and how the policy values a loss.

Physical-damage towing is to the nearest capable repair facility after a covered loss, rather than general breakdown assistance.

Physical-damage proof is available online; the insurer also offers to handle lender proof requests.

Optional Trucker Premier package

Advertised at $25 per month per unit, added to a physical-damage policy. Confirm eligible units and state-specific terms.

For equipment made inoperable by a covered loss, Premier advertises towing to a chosen repair facility up to 2,000 miles away.

Premier advertises rental reimbursement up to $200 a day for seven days after a covered truck loss. This benefit applies to trucks.

For inoperable equipment more than 100 miles from home, Premier advertises up to $5,000 for towing or $1,000 for assistance services. Parts are excluded.

Coverage terms can vary by state and exclusions apply. Confirm your state, operation and endorsements in the actual policy.

Managing your fleet coverage

The mobile app can retrieve, save, print and share the latest certificate of insurance.

The fleet portal supports equipment and driver changes, stated-value updates, documents, payments and claims reporting.

Fleet tools include premium and loss analytics, coverage summaries and individual driver access to insurance documents.

Report online or by phone. Claim status and adjuster details are available through the account portal and mobile app.

Photos and video can be sent through the app, email or text. The claims page requests vehicle, incident, towing and repair-facility details.

In-house truck claims adjusters and online account tools. The claims page lists office hours Monday–Friday, 8am–5pm; online access is not a promise of continuous staffed support.