Business Details
27 Years
experience
Commercial Truck Insurance Solutions
Founded in 1999 by Michael J Poller, Cover Me Insurance Agency has established itself as a trusted provider of commercial truck insurance solutions. With over 45 years of industry experience, our agency specializes in delivering tailored insurance products for owner operators and fleets across 48 states. Our team of seasoned professionals, including dedicated sales and support staff, prioritizes exceptional service through competitive pricing, comprehensive risk management strategies, and unwavering commitment to client satisfaction. We maintain the highest ethical standards in all our operations, ensuring clear communication, full transparency, and personalized attention to every client's unique needs.Our expertise extends beyond standard coverage to include specialized services like ICC and DOT authority assistance, quarterly fuel tax reporting, and proactive regulatory compliance updates. Backed by decades of experience and a nationwide network, we provide peace of mind through immediate claims processing, dedicated follow-ups, and direct communication with insurance carriers. Our commitment to innovation ensures clients receive modern solutions while maintaining the personal touch that has defined our agency since inception.
Services
Primary Liability
Physical Damage
Motor Truck Cargo
Trailer Interchange
Non-Trucking Liability
ICC Authority
Workers Compensation
Short Term Policies
DOT Compliance
Fuel Tax Reporting
Details
- Year established: 1999
Highlights and features
- We offer over 20 years of specialized truck insurance experience
- Our coverage extends to 48 states nationwide
- Dedicated 24/7 claims support with immediate processing
- Specialized ICC authority and regulatory compliance assistance
- Multiple payment options for flexible policy management
Services
Primary Liability
Primary Liability Insurance protects commercial truck operators from financial responsibility for bodily injury or property damage caused during business operations. This mandatory coverage meets federal and state requirements while offering customizable limits from $35,000 to $1,000,000 based on regional factors and driving history. Our experienced agents help determine optimal coverage levels for different cargo types and operational risks.
Motor Truck Cargo
Motor Truck Cargo Insurance safeguards carriers against financial loss from damaged or lost freight. Policies cover cargo values between $10,000 and $100,000 with excess coverage options available. Premium calculations consider cargo type, transportation routes, and historical claims data. This essential coverage helps maintain business continuity by protecting against financial exposure from freight-related incidents during transit operations.
Trailer Interchange
Trailer Interchange Insurance provides protection for legal liability when operating non-owned trailers under written agreements. Coverage includes theft, fire, and collision damage during trailer exchanges. This specialized policy addresses unique risks when hauling third-party equipment across state lines, ensuring compliance with industry standards while protecting valuable assets during transportation operations.
ICC Authority
ICC Authority services include obtaining and maintaining federal operating authority for interstate freight transportation. Our experts handle all regulatory filings and compliance requirements while providing ongoing support for quarterly fuel tax reporting. We keep clients informed about changing state laws affecting interstate operations, ensuring complete regulatory compliance and uninterrupted business operations across state boundaries.
Physical Damage
Physical Damage Insurance covers repair or replacement costs for insured vehicles damaged by collision, fire, theft, or natural disasters. Coverage applies to owned trucks and trailers with premiums based on equipment value. This protection is often required by lien holders while providing financial security against unexpected events that could disrupt business operations and revenue streams.
People
Michael J Poller
Founder
With over 45 years in commercial insurance, Michael established Cover Me Insurance Agency in 1999 after working with national carriers. His leadership expanded coverage to 48 states while maintaining personalized service standards.
Angie
Sales Representative
Part of our dedicated sales team providing expert insurance solutions and competitive pricing for commercial trucking operations across multiple states.
Paulette
Claims Specialist
Manages claims processing with immediate response and ongoing communication, ensuring clients receive timely resolution and support during critical situations.
Glen
ICC Authority Specialist
Handles federal regulatory compliance, including ICC and DOT authority filings while providing expert guidance on interstate transportation requirements.
Melissa
Service Representative
Part of our service team committed to ethical standards, clear communication, and personalized support for all client insurance needs.
Questions
What types of commercial trucks do you insure?
We cover all commercial truck types including semi-trucks, flatbeds, dump trucks, refrigerated units, tankers, and construction equipment across 48 states.
Do you offer short-term truck insurance policies?
Yes, we provide short-term truck insurance options ranging from one-day to multi-day coverage for transitional periods or temporary operations.
How quickly can I get insurance coverage?
Our experienced team can help establish coverage promptly, often within hours, through our streamlined quoting and policy issuance process.
What additional services do you provide?
Beyond insurance, we offer ICC/DOT authority assistance, quarterly fuel tax reporting, and regulatory compliance updates for interstate operations.
How do you handle claims processing?
We provide immediate claims confirmation with ongoing communication, directly coordinating with insurance carriers to ensure timely resolution and client support.
