Explore Our Insurance Options
Physical Damage Insurance
Physical Damage Insurance provides coverage for the physical destruction of your insured truck or trailer in the U.S. or Canada. Coverage includes:
- Comprehensive Coverage: Loss due to earthquake, fire, flood, theft, tornado, falling objects, glass breakage, hail, vandalism, colliding with birds or animals, lightning and wind
- Collision Coverage: Loss due to collision with another object or overturn
Supplemental Physical Damage Insurance
Coverage includes:
- Windshield Replacement: No deductible, up to $500 per windshield and up to two windshield replacements per year (entire windshield)
- Towing and Storage Coverage: Additional $10,000 for towing/storage for a covered loss
- Downtime/Rental Reimbursement and Personal Effects Coverage: $100 per day/$500 per week, up to $2,500 maximum for a covered loss
Supplemental coverage is an additional premium.
Non-Trucking Liability Insurance
Non-Trucking Liability (NTL) Insurance provides coverage for any non-business use of the truck, such as non-economic purposes for personal convenience, which are outside of the motor carrier's control or direction. NTL does not apply when an insured truck is under dispatch, operates on behalf of a trucking company, or when the vehicle is in use for any other revenue-generating purpose.
NTL Policy Coverage
Coverage includes:
- Bodily injury and property damage liability (up to $1,000,000)
- Medical payments coverage (where available)
- Uninsured/underinsured motorist coverage (where available)
PDI & NTL may not be available in all states. Please contact your dealer for details.
There for you, every mile of the way
Premier Financing partners with experienced insurance agencies nationwide to help you secure reliable, cost-effective coverage before you hit the road. These providers specialize in commercial truck insurance and understand the unique risks of the transportation industry. From liability and cargo to physical damage, their dedicated teams offer tailored protection to keep your business moving. Our streamlined referral process makes getting and managing insurance simple and efficient.
Our Coverages
General Liability
This covers bodily injury and property damage that you or your employees may cause to others while driving a company vehicle. It includes coverage for legal defense costs if you are sued as a result of an accident.
Deductible Range: $750K - $2M
Collision Coverage
This pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault.
$500 - $2,500 Deductible
Comprehensive Coverage
This covers damage to your vehicle caused by events other than collisions, such as theft, vandalism, fire, or weather-related incidents.
$500 - $2,500 Deductible
Personal Injury Protection
Coverage that is designed to cover medical expenses and, in some cases, lost wages and other damages resulting from a car accident, regardless of who is at fault. PIP insurance is often required in "no-fault" states, where each party's insurance company pays for the insured's medical expenses regardless of fault in the accident.
Uninsured/Underinsured Motorist Coverage
This protects you if you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover your damages.
Cargo Insurance
This covers the value of goods or cargo being transported in the vehicle in case they are damaged, lost, or stolen during transit.
Rental Reimbursement
This provides reimbursement for the cost of renting a replacement vehicle while your commercial vehicle is being repaired after a covered accident.
Roadside Assistance
This provides services such as towing, tire changes, and fuel delivery if your box truck breaks down while on the road.
Confidence in Your Coverage
Premier Truck Group (PTG) offers customers exceptional truck protection programs, in addition to convenient financing options. Customized insurance offerings provide prompt certificate issuance and quick turnaround times on claims. This, coupled with competitive pricing, makes Premier Truck Group an appealing choice for your commercial vehicle insurance needs.
Premier Truck Group locks in your rate and discounts for the term of your loan, meaning your cost will not change, even if there is a loss during the term of coverage.* This provides predictability and peace of mind that your insurance rates will not increase.
Premier Truck Group partners with EPG Insurance, Inc (EPG), a licensed insurance agency, to provide insurance coverage options for your commercial vehicle. EPG has more than 30 years of experience in the insurance industry and offers coverage underwritten by American Bankers Insurance Company of Florida, Reliable Lloyd’s Insurance Company and Voyager Indemnity Insurance, depending on the state in which your vehicle is registered. These insurance companies are all subsidiaries of Assurant, Inc.
*Applies to insurance and non-insurance coverage bundled with vehicle finance contract installment payment.
Flexible Terms
The Physical Damage and Non-Trucking Liability programs offer terms of coverage for up to 72 months, allowing you to match the insurance coverage to the term of your loan. Multi-year rate guarantees allow you to lock in low rates for the term of the loan if the premium is financed or up to 36 months on a monthly ACH/bank draft or credit card.
Immediate Coverage
With a few simple qualifying steps, your coverage may begin as soon as you sign your finance contract. Enroll today and protect your investment with Premier Truck Group’s comprehensive coverage plans.