Insurance

Whether you’re an owner-operator or manage a fleet, our in-house insurance agency offers a variety of products and services to give you what you need.

Why Choose TEC Insurance?

TEC Equipment – Insurance is a family-owned and operated agency offering Transportation Insurance through only A-rated or higher companies. Our long-term relationships with the largest insurance companies in the industry allow us to offer broad coverage options for a wide range of trucking industries. Through these relationships, we can provide robust coverage at competitive prices. Our insurance team consists of experienced and caring professionals who are dedicated to helping our customers find the best insurance solutions for their operations.

Insure Your Truck With TEC Equipment

Hassle-Free Filings Support

TEC Equipment is dedicated to simplifying the insurance process for our commercial truck clients. We handle all necessary state and federal filings, proving to the authorities that your vehicle meets coverage requirements. After you secure your truck insurance and file authority, we’ll manage the rest, ensuring a seamless experience.

Specialized Heavy Truck Claims Service

Our specialized team of in-house licensed agents and account managers will quickly file your claim and put you in touch with a dedicated adjuster who will follow your repair process from start to finish. TEC Equipment also conveniently offers collision service should you choose to have your repairs completed at one of our many full-service dealerships. You will enjoy priority repair service and quick turnarounds.

Tailored Truck Insurance Solutions

Beyond standard commercial auto coverages, TEC Equipment offers truck-specific insurance options designed to meet the unique needs of your business. Contact us to develop a customized insurance policy that perfectly aligns with your operations.

Licensed in 11 Garage States

TEC Equipment – Insurance is licensed to insure trucks garaged in 11 western states while supporting interstate long-haul operations in all 48 continental states and Canada.

Truck Coverages

Whether you manage a fleet, are an owner-operator, or run a shop, TEC Equipment – Insurance will help you get ready for the risk ahead. Is your insurance ready?

Primary Liability

This coverage option protects you from damage or injuries to other people as a result of an accident. Primary liability coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them.

Physical Damage

This insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

Cargo Coverage

Cargo insurance protects you in the event of damage or loss of freight while the cargo is in your care, custody, or control. The policy is purchased with a maximum load limit per vehicle.

General Liability

This coverage provides protection for injuries or property damage sustained while on your premises, using your products or services, or because of a breach of contract. Our company can offer you general liability as well as other commercial liability coverage.

Non-Trucking Liability

Non-trucking liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC-regulated carrier. It provides limited liability protection when the owner-operator is not under dispatch, nor pulling a loaded trailer.

Insurance Offerings

We offer a full selection of insurance solutions tailored to meet your business needs and budget, including:

Current Insurance Customers

File a Claim

TEC Equipment – Insurance customers can now file an insurance claim online. Easily submit your claim at any time, from anywhere, without the need to visit our office or call during business hours. Once you file your claim through our secure online portal, one of our dedicated agents will promptly reach out to you to confirm your information and guide you through the next steps of the claims process. Our goal is to make your experience as smooth and efficient as possible, ensuring that you receive the support you need when you need it most.

Certificates of Insurance Portal

Access your proof of insurance quickly and conveniently with our online service! You can now send your certificate of insurance to brokers and companies even after normal agency business hours. This feature ensures that you have the flexibility to provide necessary documentation at any time, allowing you to meet deadlines and respond to requests without delay.

Common Insurance Questions

What kind of truck insurance do I need?

The type of truck insurance you need depends on several factors, including the state you operate in, the number of trucks in your fleet, and the type of cargo you transport. Typically, all carriers should have commercial auto liability, motor truck cargo, physical damage coverage, non-owned trailer, or trailer interchange coverage.

Do I need permits to operate nationwide?

If you plan to operate in multiple states, you will need to obtain a permit from the Federal Motor Carrier Safety Administration (FMCSA).

Is there a penalty for canceling a policy?

Different trucking insurance providers maintain different cancellation policies. Many do impose a “Pro Rate Cancellation.”

How can I take a truck off my policy?

Removing a truck from your insurance policy typically requires that you sell it, if you own it, or terminate a lease, if you are leasing it. Proof of sale/total out that is acceptable must be provided to remove a truck.

What is Non-Trucking Liability Insurance (NTL)?

Definition:

NTL protects truck owners or owner-operators from accident liability anytime the truck is on unofficial business. Non-trucking liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC-regulated carrier. It provides limited liability protection when the owner-operator is not under dispatch, nor pulling a loaded trailer.

Business Use Excluded:

It does not cover business-related activities.