If you have not reviewed or changed your trucking insurance in the past couple of years, you are overpaying...
We Specialize in Insurance for Louisiana Truckers
First State Agency, Inc. is a family-owned, independent insurance agency in Louisiana that specializes in the trucking industry. We understand the unique challenges truckers face today and we’re here to make your life easier.
We even have a Trucking Insurance Specialist on staff with over 35 years of experience in the industry. They can review your trucking insurance requirements to:
- Determine if your current coverages meet insurance requirements
- Find ways to lower your insurance (we’ve saved some clients over 40%)
- Provide you competitive rates for the necessary requirements
- We Specialize In Trucking Insurance
- You Can Talk to A Real Human vs A Robot
- Insurance Tailored To What Matters Most To You
- Custom Trucking Insurance Programs To Save You Money
Why Louisiana Truckers Consider Us their Secret Weapon for Insurance:
How Our Family-Owned and Operated Independent Agency Compares to Big Insurance Companies
- Long Haul
- Local Operations
- Contingent Cargo
- Excess Cargo
- Contingent Cargo
- Hazmat
- Heavy Machinery
- Broker Liability
- Oilfield Operations
- General Liability
- Physical Damage
- Commercial Auto
- Excess Liability
- Bobtail Liability
- Motor Truck Cargo
- Hazmat
- Trailer Interchange
- Umbrella
- Terminal Coverage
We Have Insurance Programs For:
Trucking Insurance Coverage Types
We offer competitive rates on the following types of insurance:
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Here at First State Agency we provide a one-stop-shop for Louisiana truckers. Special care is taken to assure you have complete insurance protection so there are no surprises later on.
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“First State Agency was amazing, very professional, quick process my insurance. They saved me over $2,000 on my cargo and physical damage insurance. Highly recommend! – Micah Talbert
Insurance For Commercial Trucking and Fleets in Louisiana
Here are some of the major differences between working with an independent agency like ours, and the other big insurance companies out there:
What Others Are Saying about Us
This type of policy covers injuries and damages caused from business activity other than driving a truck, like slip and fall incidents, loading and unloading accidents, etc.
Truckers General Liability Insurance
Insurance coverage for your vehicles when they’re damaged in an accident for which you or your driver is at fault. It’s optional but a good idea if you have a loan on the truck.
Physical Damage
This insurance is required by the state and covers you if your truck or a truck in your fleet is involved in an accident with another party. Also known as Trucking Liability.
Commercial Auto Liability
This provides an additional layer of insurance protection above and beyond your primary policy limits. This coverage prevents situations where primary limits fall short.
Excess Liability
Bobtail Liability
This is auto liability coverage for an owner/operator after a load has been delivered and while the truck is not being used for trucking purposes.
Motor truck cargo is an inland marine type of coverage for loss of property in the course of transit, either by common carrier or on the insured's own vehicles.
Motor Truck Cargo
Trailer Interchange
Trailer interchange coverage is a specialized form of insurance that protects motor carriers hauling trailers owned by another party.
Hazmat Insurance
A specialized form of coverage that’s needed if you’re transporting dangerous goods like flammable liquids, corrosives, explosives, gases, and radioactive materials.
Common Questions About Trucking Insurance
While each Louisiana driver’s situation is unique, the average commercial truck insurance premium in Louisiana for drivers with a clean driving record is between $11,200 – $15,200 per year, depending on the type of truck they are looking to insure.
Q. How much is commercial truck insurance?
The Federal Motor Carrier Safety Act (FMCSA) mandates that certain vehicles must carry specialized insurance. This federal law also specifies what the minimum insurance coverage must be based on the type of truck and cargo it hauls. Here are some examples:
$300,000. If the truck operates in interstate or foreign commerce, weighs less than 10,000 pounds, and carries non-hazardous cargo, the minimum insurance coverage amount is $300,000.
$750,000. If the truck operates in interstate or foreign commerce, weighs 10,000 pounds or more, and carries non-hazardous cargo, the minimum insurance coverage amount is $750,000.
$1,000,000. If the truck operates in interstate or foreign commerce, weighs 10,000 pounds or more, and carries oil, the minimum insurance coverage amount is $1,000,000.
$5,000,000. If the truck operates in interstate or foreign commerce, weighs 10,000 pounds or more, and carries hazardous substances as defined by 49 CFR 171.8, the minimum insurance coverage amount is $5,000,000.
Trucking companies should carry higher insurance coverage than the required legal minimums. Your agent can help analyze the insurance policy to determine what coverage is best for your situation.
Q. What is the minimum commercial truck insurance I need?
Bobtail liability insurance provides coverage to the other party if you cause an accident while driving a truck without a trailer between loads. It’s designed to cover the period between a payload drop-off and the next pick-up point, when a commercial auto insurance policy typically would not apply. Without this coverage, you don’t have any liability protection if you get into an accident.
Q. What is bobtail coverage?
Yes. We offer premium financing options. Give us a call to discuss our low down payment options.
Q. Can we finance the insurance payments?
First State Agency, Inc.