NIS

TRUST THE EXPERTS IN THE INDUSTRY - WE'VE GOT YOU COVERED

A number of factors impact insurance costs: driving records, age of the driver, age of equipment, commodities hauled, radius, vehicle location, loss history, years in business, and more. NIS helps owner-operators and fleet companies address these factors as we guide our customers toward necessary, affordable, and quality coverage. We focus on the details and know the right questions to ask which enables us to recommend a policy that provides the coverage you need at a price can you can afford.

At NIS, our clients come first. We listen to you, consider your specific needs, and make recommendations that offer outstanding coverage with exceptional value. You and your business sit at the heart of our service. We strive to make your insurance experience as simple as possible.

Let us help you steer you in the right direction for your insurance needs!

Types of Carriers

We cover the following types of carriers:

Agricultural
Dry Van
Dumps
Flatbed
Refrigerated
Specialized Carriers
Tankers
Buses
Limousines
Hazmat Vehicles

Liability

It is important to keep in mind your legal requirements. Trucking insurance is mandatory in all 50 states, and not having proper insurance could cost you pricey fines or your license. We will help you make sure that you have enough liability coverage for your vehicle, including:

Primary Liability
To stay legal on the road, you are required to have primary trucking liability insurance as a minimum. This type of insurance covers injuries and damage that may occur to another driver and their vehicle in an accident. As a truck driver, your primary liability insurance must be at least $750,000 worth of coverage.

Non-trucking Liability
All time spent in a truck isn't billable, but it is insurable. When you use your truck for non-business purposes, you need insurance coverage. Non-Trucking Liability offers liability coverage for property damage or bodily injury to a third party when trucks are being used for non-business purposes.

Additional:

Hired Auto
Non-owned Auto
Excess and/or umbrella up to $5,000,000
Medical Payments (PIP Benefits) (where applicable)
Uninsured/Underinsured Motorist
Blanket Lessee
Pollution Buyback

Physical Damage

Any time you drive, you are exposed to risk. Your truck could be damaged in an accident or from another disaster. It could be stolen or vandalized. Any of these issues could put your truck out of commission and compromise your business. Physical Damage coverage offers 24-hour collision coverage for damages to your tractor or trailer.

Collision, Comprehensive or Specified perils
Aggregate and combined deductibles
Rental reimbursement
Gap coverage
Personal effects for drivers
Towing coverage
Electronic Equipment coverage
Downtime Loss Expense

Truck Cargo

Often, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer, temperature-control machinery, and other appliances or accessories that keep cargo secure. Coverage is custom-evaluated for the type of commodities hauled and the requirements of the shipper.

All Risk & Broad Form Policies

Refer breakdown
Loading and Unloading
Debris removal
Pollution clean up
Aggregate deductibles
Earned freight charges
High valued commodities requiring limits of $250,000 per vehicle or higher

Worker's Compensation

Certain states require that all truckers (regardless of Independent Contractor status) be covered by Workers' Compensation. Let us quote your Workers' Compensation Insurance.

Services

Timely submission of federal and state financial responsibility filings

Free risk assessment

Federal and State DOT authorities assistance through Compliance Navigation Specialists

Safety Reviews / Safety Training

Billing options:

Annual billing

Quarterly billing

Monthly continuous bill

Gross receipts

Mileage and unit reporters

Monthly reporting on values

Deductibles

Bonds