Divine Insurance Agency is one of the fastest growing truck insurance agencies in the nation. Our independent agency services over 11,000 trucking companies across the nation and has access to exclusive and semi-exclusive commercial truck insurance markets in 48 states. Whether you are a new venture, a seasoned owner-operator, or run a large trucking fleet, we can help you find the most affordable and best insurance coverage for your trucking business. With 2 years of experience in the commercial truck insurance industry, our team has the expertise, knowledge, and resources to help keep your trucking business moving. We also have our own trucking permits department to help you stay compliant with your filings.

All truckers must carry auto liability insurance on every rig they operate. Auto liability coverage is a type of insurance that covers damages or injuries that you or your truck may cause to other people or property while you are operating your truck or commercial vehicle. Accidents, injuries or property damage can all occur while operating your truck. Due to their larger size and weight, commercial trucks typically involve much more injury and damage compared to that of car accidents. Auto liability typically includes coverage for bodily injury and property damage liability, as well as any legal fees that may be incurred as a result of a covered accident. This type of coverage is required by law for commercial trucking operations, and is designed to protect both the trucking company and the driver in the event of an accident. It is important to have sufficient truck liability coverage to protect your business and personal assets in case of an accident.

Physical damage is a type of insurance that covers damage to your truck itself. This can include damage from a collision, fire, theft, or other covered event. There are two types of physical damage insurance: collision coverage and comprehensive coverage. Collision coverage covers damages to the truck resulting from a collision with another vehicle or object. Comprehensive coverage covers damages to the truck from events other than a collision, such as fire, theft, vandalism, or natural disasters. It's important to note that physical damage insurance does not cover damages to the trailer or any cargo being transported. While physical damage is not required by law, it is highly recommended to obtain as it provides valuable financial protection in the event that your truck is damaged or totaled. Significant damage to your truck could put your trucking business out of operation. You will also need to carry physical damage if your truck is financed, because the lienholder will require it. These reasons alone make physical damage coverage an important part of your risk management strategy.

When transporting items for someone, you are taking responsibility for those goods while they are in your possession. Whether the cargo is damaged in a collision, by a fire, or accidentally dumped onto a highway, the related costs can be incredibly expensive. Motor truck cargo (MTC) coverage is a type of insurance that provides financial protection for trucking companies in the event that the cargo they are transporting is damaged, lost, or stolen. It covers the cost of replacing or repairing the damaged or lost cargo and can help protect trucking companies from financial losses resulting from such events. MTC coverage is typically required by shippers or brokers for trucking companies transporting their goods, and it is an important protection for trucking companies, as the value of the cargo being transported can be significant.

Trailer interchange insurance is a type of insurance that provides financial protection for trucking companies in the event that a trailer they are using under a trailer interchange agreement is damaged or lost. A trailer interchange agreement is a legal agreement between two trucking companies where one company agrees to allow the other company to use one of its trailers for a specific purpose, such as transporting goods. Trailer interchange insurance covers the cost of repairing or replacing a damaged trailer and can help protect the company that owns the trailer from financial losses. It is typically required by the company that owns the trailer as part of the trailer interchange agreement. It's important to note that trailer interchange insurance does not cover damages to the truck or any cargo being transported. For this, you would need to obtain motor truck cargo insurance.

Truckers excess liability insurance is a type of insurance that provides additional financial protection for trucking companies and their drivers beyond the limits of their primary liability coverage. It is also known as excess liability insurance or umbrella insurance. Excess liability insurance covers damages or injuries that the truck driver may cause to other people or their property while operating the truck, but only when the costs of these damages or injuries exceed the limits of the primary liability coverage. For example, if the primary auto liability coverage has a limit of $1 million and the damages or injuries caused by the truck driver total $1.5 million, the excess liability insurance would cover the additional $500,000. Truckers excess liability insurance can be an important protection for trucking companies, as the potential costs of damages or injuries caused by a truck accident can be very high. It can also provide peace of mind for the trucking company and its drivers, knowing that they have additional financial protection in the event of a serious accident.

Non-Trucking liability provides limited liability coverage when using your truck for personal use. If you are under permanent lease to a motor carrier that provides your primary liability coverage, then you may consider looking into getting Non-Trucking Liability (NTL) coverage for the times you are not working. This type of coverage is for when using your truck for a non-business purposes such as running errands or driving around town on your day off. Bobtail insurance covers the truck whenever it is not attached to a trailer regardless of whether the truck is under dispatch or not. For example, after dropping off your load and trailer, you may have a collision while in transit to your next location.

Divine Insurance Agency offers insurance suited for all ages and life stages. In addition to auto and home insurance, personal insurance lines include condo and renter’s insurance, as well as specialty insurance products to cover motorcycles, boats, and RVs. We’d like to help you make an informed decision regarding your personal insurance policies. As a family-owned and operated business since 2023, we have the knowledge and expertise to help you choose the right personal insurance coverage. Call our Personal Lines team at 559-420-0911 to speak with one of our friendly representatives. We look forward to hearing from you!