1st Guard Commercial Truck Insurance Review
Overview
1st Guard Insurance Company is a specialized provider focused exclusively on commercial truck insurance, particularly for owner-operators and small fleets. With over 80 years in the industry, 1st Guard is known for its streamlined, tech-forward approach, competitive rates, and highly regarded customer service. The company is rated A (Excellent) by AM Best for financial strength, reflecting its reliability in meeting policyholder obligations.
Coverage Options
1st Guard offers a range of commercial truck insurance products, including:
Physical Damage: Comprehensive and collision coverage for tractors and trailers, including 24/7 protection and full towing to the nearest repair facility after a covered loss.
Non-Trucking Liability: Protects owner-operators when the truck is not under dispatch.
Motor Truck Cargo: Covers cargo up to $100,000, with customizable options for different operations.
Medical Payments and Uninsured/Underinsured Motorist: Optional add-ons for enhanced protection.
Downtime & Rental Reimbursement: Provides income protection and truck rental coverage if your truck is out of service due to a covered loss.
Trucker Premier Endorsement: Bundles extended towing, roadside assistance, and rental reimbursement for a single fee.
Key Features and Benefits
Flexible Payments: Unlike many competitors requiring large upfront payments, 1st Guard allows for monthly billing with low down payments, making it accessible for owner-operators starting out or managing cash flow.
Fast, Digital Service: Policyholders can access documents, make changes, and file claims via an online portal or mobile app, improving convenience and response time.
Single Deductible: If both truck and trailer are damaged in a single incident, only one deductible applies.
No-Deductible Animal Strike: In most states, if you have an approved grille guard and hit an animal, your deductible is waived.
Direct-to-Trucker Model: 1st Guard sells policies directly, not through agents, providing more personalized and responsive service.
Referral Program: Earns discounts for referring new customers.
Customer Experience
Service Reputation: 1st Guard is praised for excellent customer service, quick response times, and the ability to speak with dedicated managers who know your account history.
Affordability: Many customers report competitive rates and transparent pricing, though actual premiums depend on specific risk factors and coverage choices.
Technology: The online portal and mobile app are highlighted as user-friendly and efficient for managing policies and claims.
Complaints: Some complaints exist regarding claims handling and communication, but most are resolved or addressed by the company. 1st Guard is not BBB accredited but holds an A+ BBB rating, reflecting high trustworthiness.
Financial Strength
AM Best Rating: A (Excellent), indicating strong financial stability and ability to pay claims.
Recent Developments: Ratings are currently under review with developing implications due to a new reinsurance agreement, but the company remains part of a well-capitalized group.
Summary Table: 1st Guard Insurance
| Feature | Details |
|---|---|
| Financial Strength | A (Excellent) by AM Best |
| Coverage Types | Physical damage, non-trucking liability, cargo, medical payments, downtime, more |
| Payment Options | Monthly billing, low down payment |
| Digital Tools | Online portal, mobile app, instant document access |
| Customer Service | Highly rated, direct-to-trucker model |
| Unique Benefits | Single deductible, no-deductible animal strike, towing included |
| BBB Rating | A+ (not accredited) |
| Best For | Owner-operators, small fleets, tech-savvy clients |
Conclusion
1st Guard stands out as a top choice for owner-operators and small fleets seeking affordable, flexible, and specialized commercial truck insurance. Its direct-to-trucker approach, strong financial backing, and commitment to technology-driven service make it a leader in the sector. While not BBB accredited, its A+ rating and positive customer feedback reinforce its reputation for reliability and value. Potential clients should review their specific needs and compare coverage options, but 1st Guard remains a strong, trusted option in the commercial trucking insurance market.