Trucking insurance, dialed in for the way you run.

The right insurance can protect you and your truck, as well as any cargo on board. There are various insurance options to choose from, so selecting the appropriate coverage for your specific trucking needs is extremely important.

At Lux Insurance, we work with leading transportation carriers — including Lancer, Great American and Mapfre — to build policies that match how you actually run: local hauls, long-haul interstate, new-venture authority, or multi-truck fleets.

Commercial auto insurance is a must-have for any business that owns or operates vehicles — including taxi services and other for-hire livery businesses. Only with the right coverage will you be able to get the proper assistance following wrecks, accident lawsuits or other vehicle hazards.

All commercial auto insurance policies look different, depending on the size, scope and unique operating risks of the policyholder. Most policies will offer coverage like:

Cargo insurance protects against losses or damage during shipping domestically or internationally by land, air or sea. The insurance covers the cargo itself — whether the goods are raw materials or finished products — and any packages and containers used to transport them.

We help you structure cargo limits that match the commodities you actually haul, so you're never underinsured at the loading dock or facing exclusions when it counts.

As an independent agency, Lux places trucking risks with multiple A-rated carriers that specialize in transportation. We handle the paperwork — DOT and MC authority, MCS-90 filings, BOC-3, and state filings — so you can stay focused on the road.

New venture? No problem. We work with carriers that write new authorities at competitive rates, with no surprise loadings after your first six months.

From a single owner-operator running hot-shot loads to small and mid-size fleets, we structure policies that fit the operation. Tell us about your radius, commodities, driver count, and we'll come back with a quote that matches.