Western Truck Insurance

Western Truck Insurance Services Review Guide

Western Truck Insurance Services has been in business since 1954. Over the last 60+ years, this commercial truck insurance brokerage has evolved to adopt new technologies and innovations. Using advanced automation, they provide quick truck insurance quotes, insurance certificates and coverage changes.

The company is licensed and writing insurance in 26 states, including: Alabama, Arkansas, Arizona, Florida, California, Colorado, Hawaii, Georgia, Idaho, Iowa, Illinois, Missouri, Minnesota, Kentucky, Ohio, Nevada, New Jersey, North Carolina, Tennessee, Oregon, South Carolina, Washington, Wisconsin, Pennsylvania, Utah and Texas.

What Services Does Western Truck Insurance Offer?

In addition to conventional insurance brokerage services, Western Truck Insurance can also help customers:

  • Obtain regulatory permits
  • Locate new vehicles
  • Track DOT and driver compliance
  • Find owner operators or drivers
Western Truck Insurance

The company uses flexible systems to meet the needs of customers, and these systems can be customized to help customers manage their business risks. They aim to be a leading truck insurance brokerage.

One thing that sets Western Truck Insurance apart is their software. In seconds, their proprietary software can match a trucking operation details with top insurance companies, including California truck insurance companies. The company’s agents work on behalf of customers to find the best prices and most comprehensive coverage.

Obtaining a quote is easy. The simple form asks for:

  • Name
  • Company name
  • City and state
  • DOT or state permit number
  • Contact number
  • Email
  • Whether the customer already has truck insurance and when the policy expires
  • Areas of insurance the customer needs

Once the form is submitted, potential customers will receive a quote quickly.

Customers who wish to change their policies can also submit a simple form to add, cancel or increase/decrease coverages.

Western Truck Insurance goes the extra mile to make it as easy as possible for customers to get the coverage they need without having to wait on hold for a customer service rep.

Western Truck Coverage Options

Coverage options

Western Truck Insurance helps customers find both truck insurance coverage and coverage for trucking operations.

Commercial truck insurance coverages include:

General Liability

Provides broad, third-party liability coverage, which may include protection for property damage or injuries sustained while on the customer’s premises, using the customer’s products or services, or because of a breach of contract.

Policy limits start at $300,000, but the usual policy maximum is $2mm.

Physical Damage

Provides protection for the driver’s truck and trailer equipment. Customers can choose between specified perils, or comprehensive and collision coverage.

Truck Liability

Protects the driver from damages or injuries to other people as a result of an accident. This type of coverage is required by state and federal agencies, which require a form of proof to be sent to them.

Typically, policy limits for operations with trucks over 10,000 gross vehicle weight will have a limit of $750,000.

Motor Truck Cargo

Provides the driver with liability protection if freight is lost or damaged. Policies have a maximum load limit per vehicle.

Trailer Interchange and Non-Owned Trailer

Provides protection for drivers using someone else’s trailer. Trailer interchange coverage provides this protection when there is a written trailer interchange agreement in place. Non-owned trailer coverage is different in that it provides protection when there is no written trailer interchange agreement in place. In this case, coverage is only provided when the trailer is attached to the customer’s truck.

Crime Insurance

Often purchased with Motor Truck Cargo insurance. Provides coverage for employee theft, which is excluded from Motor Truck Cargo coverage.

Truckers Pollution

General liability policies exclude pollution coverage. Customers hauling hazardous materials will need the Truckers Broadened Pollution endorsement or a full pollution insurance policy.

Commercial Property

Provides coverage for various types of commercial property, which is broken down into Buildings and Business Personal Property. The policy includes lots income and extra expenses that may incur as a result of a loss.

Commercial Equipment

Provides protection for physical damage for machinery and equipment not covered under the commercial property policy. Mobile items, such as backhoes, forklifts, dollies, tools and padding are covered under this policy.

Workers Compensation and Occupational Injury

Employers are required by law to provide workers compensation insurance as a protection for on-the-job injuries and diseases.

Commercial Truck Roadside Assistance

Commercial Truck Roadside Assistance

Western Trucking Insurance provides roadside assistance services to commercial truck drivers as part of a separate policy.

The inexpensive service provides:

  • Flat tire assistance
  • Towing up to 50 miles
  • Mobile mechanic service
  • Tire replacement assistance (up to $100)
  • Hotel and travel discounts
  • Vehicle jump-start
  • Vehicle winching
  • Custom trip routing
  • Oil, fluid and water delivery service
  • Fuel delivery service (up to 30 gallons of fuel)
  • Lockout and replacement key services (up to $100)
  • Concierge service
  • Truck rental assistance

Trucking Bonds

Bonds are a form of good credit. Essentially, the insurance company guarantees that the customer will perform the work or pay as required.

Several types of bonds can be purchased, including:

  • S. Customs Bond
  • Freight Broker Bond
  • COD Delivery Bond
  • Motor Vehicle Registration Bond


Trucking Operations Coverage

Trucking companies typically require specific coverages as well as add-ons that provide additional protection.

Some of the most popular coverages include:

  • Dry van
  • Truckload carrier insurance
  • Refrigerated van
  • Dump truck
  • Flatbed
  • Amazon Relay Insurance
  • Auto transporters
  • Tow truck
  • Hazmat insurance
  • Household goods movers insurance
  • Intermodal coverage
  • Hotshot
  • Couriers insurance
  • Tanker
  • LTL Insurance

The company works with customers to help them find the best coverage for their needs. Their agents are also highly skilled and experienced at consulting with fleet managers and owner operators to ensure that all of their assets are protected.

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