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Commercial Truck Insurance Solutions
Horizon Insurance Services has established itself as a premier provider of commercial truck insurance solutions across the United States. With over 40 years of specialized experience in the transportation insurance sector, our team of experts delivers tailored coverage options for businesses of all sizes, from owner-operators to large fleets. We combine deep industry knowledge with personalized service to help clients manage risk effectively while securing competitive rates. Our commitment to excellence is reflected in our 5-star customer reviews and proven track record of saving clients up to 26% on insurance renewals.Backed by partnerships with over 50 insurance carriers, we provide comprehensive protection including commercial auto liability, motor truck cargo, workers' compensation, and property insurance. Our nationwide service spans 48 states, supported by streamlined certificate issuance and 24/7 roadside assistance programs. As a client-focused organization, we prioritize transparency, ethical business practices, and continuous support throughout policy lifecycle management.
Services
Commercial Truck Insurance
Property Insurance
Workers Compensation
Motor Truck Cargo
General Liability
Owner Operator Coverage
Inland Marine
Umbrella Insurance
Package Policies
Highlights and features
- We offer 40+ years of specialized trucking insurance expertise
- Our 24/7 roadside assistance program covers towing and emergency services
- We secure competitive rates through partnerships with 50+ insurance carriers
- We provide nationwide coverage across 48 states
- Our team delivers personalized support with proven cost-saving results
What people say
Professional and excellent
Best experience
Saved over 20%
Quick response
Diligent service
Services
Commercial Truck Insurance
Our commercial truck insurance provides comprehensive protection for transportation businesses operating across the United States. This specialized coverage includes liability protection, physical damage coverage, and cargo insurance tailored to meet the unique needs of trucking operations. With options for owner-operators, private carriers, and large fleets, our policies ensure compliance with federal and state regulations while protecting against common industry risks.
Motor Truck Cargo
This specialized cargo insurance safeguards against loss or damage to goods being transported by commercial vehicles. Designed for trucking companies hauling various commodities, the coverage addresses specific risks associated with freight transportation including theft, accidents, and weather-related incidents. Policies can be customized to cover specific cargo types and operating parameters.
Workers Compensation
Our workers' compensation insurance protects trucking businesses and their employees from financial losses due to work-related injuries or illnesses. The coverage includes medical expenses, rehabilitation costs, and wage replacement for injured workers. Compliance with state-specific regulations is ensured through tailored policy structures for transportation industry employers.
Property Insurance
This coverage safeguards commercial property assets against damage or loss from covered perils. Designed for transportation industry businesses, it protects physical assets including office spaces, maintenance facilities, and storage yards. Policies can be customized to include business interruption coverage and specialized equipment protection for trucking operations.
General Liability
Our general liability insurance provides essential coverage for third-party claims involving bodily injury, property damage, or advertising injuries. Trucking businesses benefit from protection against common operational risks including premises liability and completed operations exposure. The coverage complements commercial auto policies to create comprehensive risk management solutions.
Questions
What are the minimum required coverages for new trucking businesses?
New businesses typically need $1,000,000 commercial auto liability, physical damage coverage with $1,000 deductible, motor truck cargo insurance, and non-owned trailer protection to meet federal and state requirements.
Do you offer insurance for cross-state operations?
Yes, we provide coverage for nationwide operations requiring FMCSA MC Authority, DOT numbers, IRP registration, and IFTA compliance across 48 states.
How does your claims process work?
Our 24/7 roadside assistance program covers towing, tire changes, battery service, and emergency fuel delivery. Claims for accidents or cargo loss are processed through our dedicated claims department with carrier partnerships.
Can I get coverage with a less-than-perfect driving record?
We work with multiple carriers to accommodate various risk profiles. While DUI convictions or severe violations may affect premiums, we help find viable coverage options for most drivers.
What payment options are available?
We accept personal checks, Visa, Mastercard, American Express, and offer premium financing options. Payment plans can be customized to meet business cash flow needs.
How do you help reduce insurance costs?
Our experienced agents compare rates across 50+ carriers, identify applicable discounts, and optimize policy structures to achieve average savings of 21-26% for our clients.
