Protection for Your Fleet and Business
Running a trucking operation in Michigan is no small task. Snowstorms can roll in without much warning, traffic along major routes can slow everything down, and a single equipment issue can interrupt a full day of work. If you haul freight through Tawas City, Saginaw, Bay City, Midland, Oscoda, or Auburn, you already know how fast things can shift on the road. This is why the right truck insurance matters. It gives you a way to recover, regroup, and keep your business steady even when something goes wrong.
At Safeguard Insurance Agency, we work with drivers, fleet owners, and owner operators who carry everything from local deliveries to long-haul freight. Our goal is simple: help you protect your trucks, your drivers, your cargo, and your livelihood.
Contact us any time to review your coverage or talk through what you need.
Commercial Truck, Semi Truck, and Owner Operator Coverage
Every trucking operation has its own rhythm. Some drivers stay within 50 miles. Others run multi-state routes through rain, ice, and heavy traffic. Some haul lightweight goods or produce, while others move auto parts or heavy equipment. These details matter because they affect the type of insurance that fits your situation.
Here are some of the coverage types Michigan truckers often rely on:
- Primary Liability: Covers injuries or property damage caused to others if your driver is at fault. Required for commercial trucking and usually the starting point for a policy.
- Physical Damage: Protects your own truck from collisions, fire, theft, storms, and vandalism. Michigan winters make this especially important.
- Motor Truck Cargo: Covers freight damaged by weather, shifting loads, theft, or equipment failure. Different cargo types have different risks.
- Non-Trucking Liability (bobtail coverage): Helps owner operators who use the truck for personal trips or drive it home after a delivery.
- Trailer Coverage: Protects borrowed or leased trailers if they are damaged.
- General Liability: Applies to situations separate from driving, such as a visitor injured at your yard or damage caused during loading.
- Workers’ Compensation: Helps cover medical costs or lost wages if an employee is injured on the job.
Truck Insurance Solutions
Many truckers tell us the same thing: insurance can feel confusing because there are so many parts to consider. Our job is to break the process into simple steps. We start with your basic requirements, such as liability coverage, then talk through cargo, non-trucking use, equipment value, interstate travel, and any filings you need for federal or state authorities.
Companies across Tawas City, Saginaw, Bay City, Midland, Oscoda, and Auburn rely on commercial trucking every day. If you carry freight for customers or transport your own goods, the right protection can help reduce stress and prevent financial loss after an accident or equipment failure.
As an independent insurance agency, Safeguard Insurance Agency can compare options from several carriers and help you choose coverage that makes sense for your business.
Contact us to learn more or request a quote. We are here to help you keep your trucks on the road and your business running strong.