Nevada Truck Insurance


NV License #: 968347


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Nevada Trucking Insurance

According to the FMCSA, 2018 saw the “number of large trucks and buses in fatal crashes [increase] by 48 percent from its low of 3,432 in 2009.” With that sobering statistic, it’s vital you do all you can to protect your drivers, your trucks, and your cargo. And one of the most important tools for doing just that is insurance. With rising insurance rates, finding the right insurance can be a challenge, but it’s not impossible.

No matter where you drive, insurance is a must-have. While the same general regulations apply throughout the US, there are variations across the states to consider as well. Let’s review why you need Nevada truck insurance and why you should use an independent insurance agent when protecting your trucks.


Why do I need Nevada Truck Insurance?


  • Truck Liability Coverage

    Liability coverage is necessary in every state, for clear reasons: In the case of an accident, liability insurance will cover the injuries or damages sustained by the other driver or vehicle so you don’t have to. In Nevada, as in other states, the law sets a minimum level of liability insurance you must hold, determined by what you are hauling and where you are hauling it.

  • Physical Damage Coverage

    While physical damage coverage isn’t required by law, it is still essential. The FMCSA reports that the average cost of a crash involving a large truck is $91,000. Factor in injuries and that cost can go up to nearly $200,000. With physical damage coverage, you’re protected from losses, such as a truck being put out of commission.

  • Motor Truck Cargo

    Motor truck cargo insurance is needed by for-hire truckers to properly cover the commodities they are hauling. It is generally required by the party who owns the product being transported. This ensures that if their goods are damaged or stolen while in transit, their assets will be covered. Depending on the cargo that is in transport by your big rig, you may need specific endorsements. For example, if you transport refrigerated goods, you will need to make sure you have “reefer breakdown” coverage. This might cover a $50,000 load of ice cream when the reefer unit breaks down 2 hours away from Vegas. Of any line of 18-wheeler insurance, cargo insurance is the one you need to understand and pay attention to the most. You usually get what you pay for, and some carriers will make a long list of exclusions that specifically exclude coverage for certain events.

  • Truckers General Liability

    While liability coverage protects your drivers when they’re behind the wheel, some accidents occur when no one is driving and the truck is standing still. For example, something may happen to your warehouse or fulfillment center. If you have other aspects of your business that aren’t on wheels, you need truckers general liability insurance to make sure you’re covered everywhere—off the road and on.


Why Should I use an Independent Insurance Agent?

Find Insurance Programs Specific to Your Needs

When acquiring insurance, you’ll save time and money by finding a program that caters to the types of trucks your business uses rather than wrangling a generic policy to fit your needs. For example, TIS specializes in the trucking niche and provides market access to numerous specialty truck insurance programs, including programs for the following:

  • General freight
  • Refrigerated goods
  • Dry van
  • Flatbed
  • Dump trucks
  • Towing
  • Auto haulers
  • Intermodal containers
  • Hazmat

Instant Certificates of Insurance with our Mobile App

Insurance needs are unpredictable; you don’t know when or when they’ll come up. When the unexpected happens and you need to prove your policy, you want to know that someone will answer your call, no matter what time it is, day or night. At TIS, we offer 24/7 service through our mobile app, meaning your certificate of insurance goes wherever you or your drivers go.

Get Assistance with your Trucking Permits & Filings

The right agent isn’t only concerned with keeping you insured—they want you up to date with all of your permits as well. After all, operating without the right permits can be costly, with the resulting fines and barriers to your business. But with everything else you’re keeping track of, staying on top of your permits can be demanding. At TIS, our permit department does the work for you; we are well versed in all of Nevada’s permits and regulations, and we are constantly watching the ever-changing system for updates that might trip you up. We ensure you have all of the necessary truck permits and keep you informed of all changes made to laws and regulations.

As an independent brokerage, TIS has access to nearly every carrier under the sun. No matter what kind of truck you’re driving, we can partner you with the carrier right for your business. Contact us today to learn more.


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Here is what Our Happy Customers have to say


Selene did outstanding work for me. I went from having a massive insurance renewal rate that would just about put me out of business and signing on with Selene and she got my rates dropped big time. Now with the rates she got me, my company can continue to move forward and build it as a family trucking company.
Don J.

Liz is awesome. She is my go to when I have any questions or concerns in the trucking industry in regards to insurance or compliance questions. She is always accurate and honest and when she isn’t sure she reaches out to get me the right answers
Alex Arreguin

Where do I begin? Renee Ula and the staff are amazing! Anytime my wife calls in to get help, they are quick to help. We communicate with Renee directly and whenever she is busy or not available, she makes sure to quickly get back to us. Being a truck driver, a lot of paperwork comes up last minute and we have to get it done ASAP. With just a quick email or call she helps us fast. She always makes sure to explain our options and helps us get whatever we need done ASAP.
Behran Amiran