Who We Work With
We write trucking coverage for a range of operations across West Virginia, including:
- Owner-operators running under their own authority
- Leased operators running under a carrier's authority
- Small fleets with multiple trucks
- Specialty haulers — flatbed, refrigerated, oversized, and more
- Dump truck and construction-related hauling operations
- Local and regional routes as well as long-haul
If you're not sure whether your operation fits, call us. We'd rather talk it through than have you guess.
Commercial trucking coverage is built from several components, and most owner-operators need more than one. Here's what we typically work through:
- Primary liability — required by federal and state law; covers bodily injury and property damage you cause to others
- Physical damage — covers your truck and trailer against collision, fire, theft, and other losses
- Cargo insurance — protects the freight you're hauling against loss or damage in transit
- Non-trucking liability — covers your truck when it's being used outside of dispatch
- Occupational accident coverage — an option for owner-operators who don't carry workers comp
- General liability — for trucking businesses with a physical location or additional exposure beyond the cab
Not every trucker needs every line. We'll ask about your operation and put together coverage that makes sense for what you're actually doing.
What Trucking Insurance Covers
Independent Means We Shop It for You
As an independent agency, we're not locked into one carrier's trucking program. We represent Nationwide, Progressive, Foremost, and additional top national carriers — which means we can compare rates and coverage terms across companies and bring you the option that fits your operation and your budget.
Trucking insurance rates vary significantly based on your commodity, radius, loss history, and equipment. Having access to multiple carriers matters more in this line than almost any other.
Rick Allen Insurance Agency is an independent insurance agency serving Southern West Virginia from two walk-in offices in
Beaver, WV and
Rainelle, WV. We provide
personal insurance — including auto, home, condo, renters, motorcycle, ATV/UTV, and life coverage — as well as
business insurance and
industry-specific insurance programs for contractors, farms, landlords, restaurants, and trucking operations across
Beckley,
Daniels,
Lewisburg,
Rupert, and the surrounding Raleigh County and Greenbrier County communities. Our
life insurance
options include term life and whole life coverage through multiple top national carriers including Nationwide, Progressive, and Foremost. Call our Beaver office at 304-252-1660
or our Rainelle office at 304-438-6349, or
request a free quote online. Walk-ins welcome Monday through Friday — no appointment needed.
Rick Allen Has Been Doing This Since 1995
Do I need trucking insurance if I'm leased to a carrier?
The carrier's policy covers you while you're under dispatch, but it typically doesn't cover your truck when you're not on a load. Non-trucking liability fills that gap. You may also want physical damage coverage on your own equipment regardless of your lease arrangement.The carrier's policy covers you while you're under dispatch, but it typically doesn't cover your truck when you're not on a load. Non-trucking liability fills that gap. You may also want physical damage coverage on your own equipment regardless of your lease arrangement.What's the minimum liability required for a commercial truck?
Federal requirements vary by commodity and operation type. Most for-hire carriers hauling general freight need at least $750,000 in primary liability. Hazmat haulers face higher minimums. State requirements may apply on top of federal rules. We'll make sure your policy meets what's required for your specific authority.Federal requirements vary by commodity and operation type. Most for-hire carriers hauling general freight need at least $750,000 in primary liability. Hazmat haulers face higher minimums. State requirements may apply on top of federal rules. We'll make sure your policy meets what's required for your specific authority.Can I get trucking insurance if I have a poor driving record or prior claims?
Loss history and MVR records do affect your options and your rate, but they don't automatically disqualify you. Because we work with multiple carriers, we can often find coverage in situations where a single-carrier agency might come up empty. Call us and we'll give you a straight answer.Loss history and MVR records do affect your options and your rate, but they don't automatically disqualify you. Because we work with multiple carriers, we can often find coverage in situations where a single-carrier agency might come up empty. Call us and we'll give you a straight answer.How do I get a quote?
Call either of our offices or use the contact form on this site. We'll ask about your operation — what you haul, your radius, your equipment, your authority — and get you a quote from the carriers we represent. Most of the time we can turn that around quickly.Call either of our offices or use the contact form on this site. We'll ask about your operation — what you haul, your radius, your equipment, your authority — and get you a quote from the carriers we represent. Most of the time we can turn that around quickly.Do you handle claims support for trucking policies?
Yes. Hands-on claims guidance is part of every client relationship here. If you have a loss, we help you navigate the process — not just hand you a phone number and step back.Yes. Hands-on claims guidance is part of every client relationship here. If you have a loss, we help you navigate the process — not just hand you a phone number and step back.
Contact Us Today
Ready to get a quote or talk through your trucking insurance needs? Reach out to one of our West Virginia offices or use the contact form below. We're here to help.