Trucking is truly one of the most important industries in the United States. For all of us to have food, gas, oil, clothes, lightbulbs, furniture, electronics and so many other things, a truck had to haul them from the manufacturer to our local stores. While this industry is so vital to maintaining our way of life, it is also full of risks. There is always the risk of collision when you get behind the wheel of any vehicle, but when that vehicle has 18 wheels and can weigh up to 40 tons, the risk of causing serious damage in an accident is even greater. At RNI, we understand the peril you and your employees face every day, and we want to help you get the best protection for the best price.

Coverage Options for Your Trucking Insurance Policy

In addition to the liability coverage that any vehicle insurance policy would offer, our agents may recommend your trucking insurance policy have the following coverages specific to the trucking industry:

  • Physical Damage: Physical damage insurance includes both collision and comprehensive coverage, so the cost of repairing or replacing your trucks is covered whether they’re damaged because of a crash or from other dangers such as theft, fire or vandalism.
  • Excess Liability: Excess liability insurance, commonly called umbrella insurance, protects you from losses that go above your policy’s limit. For example, if one of your truckers was at fault in an accident that caused $300,000 of damage, and your policy’s limit was $200,000, excess liability coverage would save you from having the pay the remaining $100,000 out of pocket.
  • Motor Truck Cargo: It’s a good idea to insure your inventory the same way you do your trucks and employees. Motor truck cargo insurance covers the cost of your cargo being lost or damaged in a collision or fire.
  • Owner Operators: If you are an independent trucker who owns your own business, your insurance needs are different than those of a large trucking company with several employees. Our agents will keep in mind your limited budget as a small business owner while still ensuring you have the coverages essential for protecting yourself, your truck and your cargo.

We know every business is unique, so our agents will take the time to learn about the specifics of your operation before making any recommendations regarding your trucking insurance.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through what trucking insurance policy would work best for you. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to guide you toward success the same way we would our own business. Let’s get started!

Contact us!


You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


It’s stressful managing a business that’s always on the move. With RNI, you can be confident that your team and your products reach their destination safely and on time


It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC