Independent · Trusted · Nationwide

Insurance built around you, not the carrier

We shop dozens of A-rated carriers so you don't have to. Whether it's your rig, your home, or your business — Lux Insurance finds coverage that fits.

Get a Free Quote (413) 741-2109

30+

Years experience

50+

A-rated carriers

10k+

Policies placed

98%

Client retention

What we cover

We've got you covered, end to end.

From a single power unit to a multi-location business, we tailor coverage to your operation — not the other way around.

Trucking

Power units, cargo, liability — built for owner-operators and growing fleets, from local hauls to long-haul interstate.

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Commercial Auto

Vans, fleets, and contractors. Coverage that keeps your business on the road without surprise gaps when claims happen.

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Business

General liability, property, and workers' comp — tailored to your industry, your size, and the risks you actually face.

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Personal Vehicle

Auto coverage with discounts that actually move the needle — for safe drivers, multi-car homes, and bundled policies.

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Homeowners & Renters

Protect what you've built — at home or on the move. Optional flood and umbrella stack neatly on top.

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Our carriers

Backed by the industry's best.

Featured coverage

Trucking Insurance, dialed in.

Protect your truck and any cargo on board. Selecting the right coverage matters — we work with carriers that know transportation inside and out, from local hauls to long-haul interstate.

Primary liability
Physical damage
Motor truck cargo
Non-trucking liability
Bobtail coverage
Trailer interchange

Explore trucking coverage

Commercial fleet

Commercial Auto, built for the job.

Vans, contractors, and small fleets — coverage that keeps your business moving without surprise gaps when claims happen.

Fleet discounts
Hired & non-owned
Liability up to $2M
Rental reimbursement
24/7 claims
Contractor add-ons

Explore commercial auto

For your business

Business Insurance, end to end.

General liability, property, BOP, workers' comp and umbrella — tailored to your industry, your size, and the risks you actually face.

General liability
Property & BOP
Workers' comp
Cyber liability
Umbrella & excess
Industry-specific

Explore business coverage

Personal lines

Personal Vehicle, smarter coverage.

Auto coverage with meaningful discounts for safe drivers, multi-vehicle households and bundled policies — not gimmicks.

Multi-car discount
Accident forgiveness
Roadside assistance
Rental reimbursement
New car replacement
Gap coverage

Explore personal auto

At home

Homeowners & Renters, fully covered.

Protect your home, possessions and liability — whether you own, rent, or anything in between. Optional flood and umbrella stack neatly on top.

Dwelling & contents
Liability protection
Loss of use
Optional flood
Jewelry & valuables
Bundle savings

Explore home coverage

Why Lux

Independent means in your corner.

We're not tied to a single carrier. We're tied to you. That means we compare options across the market and recommend what actually fits your situation — not what's easiest to sell.

Twenty-plus A-rated insurers compete for your business, and a real person answers your call — the same agent, every time. When a claim happens, we sit on your side of the table.

And we'll help you bundle smart: stack home, auto and business coverage for meaningful savings, not gimmicks.

Independent isn't a label for us — it's the whole point. Your coverage should fit your life, not a carrier's quota.
— The Lux Insurance team

Ready to find the right coverage?

Tell us a little about you. We'll come back with options — clearly explained, fairly priced.

Get a Free Quote (413) 327-6256