Western Truck Insurance Review 2023

Thang Truong
Thang Truong
Updated on:

Western Truck Insurance is an insurance broker that matches owner-operators and fleet owners with the insurance company that provides the coverage to meet your needs. In addition to brokering insurance deals, Western Truck can help you with permits and DOT compliance. The company’s help leaves you with less time doing paperwork and more time driving.

If you are looking for an online option, you will likely want to look elsewhere. When we started research for this article, we had difficulty finding the website for Western Truck. That’s because Google returns their Facebook page rather than their website, which is TruckInsure.com. We suggest contacting a representative to discuss quotes; the telephone number for Western Truck is 800-937-8785.

About the company

The roots of Western Truck reach back to 1954, when the company started. Since that time, Western Truck has become a professionally managed, highly respected truck and transportation insurance brokerage. The company’s hallmark is going above and beyond the expectations for a commercial truck insurance brokerage. The company states they desire to provide customers with service that is unparalleled. 

Western Truck is more than a simple insurance brokerage. They can help you with other aspects of getting your trucks on the road as well. The company can help you get the appropriate permits, track DOT compliance, and help you locate new vehicles. 

Another unique service is matching companies with drivers. To that end, the company has created a free Truck Driver Jobs 411 job board. The purpose of the job board is to make connections between owner-operators, drivers, and companies.

The company states that they desire to keep customer costs at a minimum while still providing top-notch service. The company recognizes that its business model extends its interest beyond simple insurance coverage into the business of customer well-being. 

Where does Western Truck offer coverage? 

One of the downsides of Western Truck, once you get past not dealing with them online, is they aren’t available nationwide. The services are available in 26 out of 50 states. They are available in the majority of the Southeast (with Mississippi being the exception to that) and a portion of the Northeast, the West, and the Midwest. The company also offers services in Hawaii but not in Alaska. 

Western truck insurance coverages

Western Truck offers more than standard insurance coverages. Working with their partners, they can offer specialized coverages as well. You will be matched with the coverage that best meets your needs. 

Here are the standard coverages offered by Western Truck:

  • General liability: Protects you against claims of injury or property damage from customers using your goods or services. Learn more at the best trucking general liability insurance companies
  • Truck liability: Protection for other drivers from bodily injury or property damage in an accident where you or your drivers were at fault. Learn more at trucking liability insurance coverage
  • Collision: This protection is for your trucks. It can help you get repairs or replacements after an accident. 
  • Comprehensive: Insurance that protects your interests in the truck in the event of a natural disaster or things like fire or theft.
  • Property damage: Protects business property from damage caused by an accident.
  • Lost income: Get paid while waiting for your truck to be repaired.
  • Trailer interchange: Coverage damage caused by your truck when changing trailers. Learn more about trailer interchange coverage.
  • Motor truck cargo: Pays for freight that is lost or damaged in transit. Learn more about the best motor truck cargo insurance companies
  • Trucking pollution: Pays for damage caused by hazardous material you are transporting. 
  • Trucking crime: Coverage that accounts for employee theft when it is otherwise excluded from a policy.
  • Workers’ compensation or occupational accident injuries: Covers injuries or illness incurred by employees on the job. Learn more at the best workers comp insurance for truckers and the best occupational accident insurance companies for truckers
  • Commercial equipment: Protection for equipment such as backhoes or forklifts that you might transport and that aren’t covered under commercial property insurance
  • Trucking bonds: Ensures that both you and your insurer honor the contract between you
  • Unlimited roadside assistance: Protect trucks in the event of a breakdown with roadside assistance service
    • Concierge transportation while the truck is out of commission
    • Flat tires or tire replacement
    • Fuel delivery
    • Jumpstarts
    • Lockouts
    • Mobile mechanics
    • Towing or winching for stuck vehicles
    • Travel discounts
    • Trip routing

Which trucks can be covered by Western Truck?

This broker offers coverages for certain specialized trucks, such as

Praises and ratings

Western Truck is not accredited by the Better Business Bureau (BBB). However, they have an A+ rating from the BBB. Consumer Advocate has Western Truck rated at 3.7/5 stars. Western Truck is a brokerage, so financial stability ratings aren’t readily available.

Final thoughts

Western Truck is an insurance broker that provides clients with tailor-made service that includes more than insurance quotes. The company offers services in 26 out of 50 states.

Thang Truong
Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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