Business Details
Your Trusted Truck Insurance Partner in Kirksville, MO
At Highway 63 Insurance, we combine over 40 years of industry experience with firsthand knowledge of the trucking sector to deliver tailored insurance solutions. As truckers and owners of a truck brokerage specializing in ag commodities, we understand the unique risks and regulatory demands of the industry. Our agency prioritizes personalized service, offering coverage options from multiple top-rated carriers to ensure competitive pricing and comprehensive protection. We specialize in customizing policies for all trucking operations, including owner operators, motor carriers, and private carriers, while maintaining a commitment to responsive support and transparent communication.Our local presence ensures immediate assistance with claims and policy adjustments, and our independent agency model allows us to advocate for clients during renewals or coverage changes. By focusing on education, we help clients identify gaps in existing policies and secure appropriate endorsements. Our team actively seeks discounts to maintain affordability without compromising coverage quality, ensuring clients receive both value and expertise.
Services
Truck Insurance
Motor Truck General Liability
Owner Operator Insurance
Physical Damage Coverage
Flatbed Truck Insurance
Hot Shot Trucking Insurance
LTL Truck Insurance
Long-Haul Truck Insurance
Bobtail Insurance
Truck Cargo Insurance
Highlights and features
- We offer 40+ years of combined experience in truck insurance and trucking operations
- Our team provides personalized insurance solutions tailored to trucking industry needs
- We represent multiple top-rated insurance carriers for competitive pricing options
- Our agents specialize in identifying coverage gaps and securing appropriate endorsements
- We actively seek available discounts to maintain affordable premium rates
Services
Truck Insurance
Our truck insurance policies protect commercial trucking operations with customizable liability and physical damage coverage. Designed for owner operators and fleet owners, this insurance safeguards against accidents, cargo loss, and equipment failure. Policies include options for bobtail coverage and specialized endorsements to meet industry-specific requirements.
Motor Truck General Liability
This coverage addresses legal costs and damages from accidents involving transported goods. It protects businesses during deliveries and covers property damage at loading/unloading sites. Combined with primary liability, it ensures comprehensive protection against litigation risks associated with commercial trucking operations.
Owner Operator Insurance
Tailored policies for owner operators provide protection whether leased to a carrier or operating under personal authority. Coverage includes physical damage, liability, and occupational accident protection. Policies can be customized with endorsements for specialized equipment and cargo types.
Physical Damage Coverage
This coverage protects against repair costs from collisions, theft, or vandalism. Available for owned or leased vehicles, it ensures business continuity after accidents. Optional add-ons include mechanical breakdown coverage and trailer interchange endorsements for comprehensive asset protection.
Bobtail Insurance
Bobtail insurance covers accidents when trucks operate without trailers. Essential for drivers between deliveries, this policy protects against liability during transit between loads. It complements standard truck insurance by addressing coverage gaps during non-revenue-generating movements.
Questions
What types of truck insurance do you specialize in?
We specialize in owner operator insurance, motor carrier coverage, private carrier policies, and bobtail insurance for all truck types including flatbeds, hot shot trucks, and LTL vehicles.
How do you help clients find affordable coverage?
As an independent agency, we compare quotes from multiple top-rated carriers to find competitive pricing while maintaining comprehensive coverage tailored to each client's specific needs.
Do you offer coverage for specialized trucking operations?
Yes, we provide specialized coverage for ag commodity transport, reefer breakdown protection, and endorsements for unique trucking scenarios including trailer interchange and mechanical breakdowns.
What support do you provide during claims?
Our local team offers personalized claims assistance, leveraging our industry expertise to help clients navigate the process efficiently and ensure proper compensation for covered losses.
Can you help with insurance policy changes?
Yes, as an independent agent we can facilitate carrier changes at renewal without requiring clients to switch agencies, ensuring continued personalized service and competitive pricing.
