Frequently Asked Questions

We know insurance can be confusing. To help you make a clear decision when it comes to selecting the right coverage, our insurance experts provide answers to some of the most commonly asked questions.

Trucking insurance

Our standard coverages will meet most of your needs. Optional coverages tailor your policy to your unique business. Work with your agent to see what optional coverages are right for you.

If your insured vehicle is involved in a loss, that often means you lose the income that vehicle would have earned. Business income coverage protects your business by replacing the lost operating income during the period your vehicle or equipment is being repaired or replaced.

Most states require employers to have this coverage. If an employee gets hurt on the job, workers’ compensation pays for  medical costs so you don't have to. It also pays for lost wages if the injury causes missed time from work. Work comp also comes with employment liability coverage, which pays your defense costs if an employee claims the injury was caused by unsafe working conditions.

We started out as Mutual Auto Insurance Company of the Town of Herman in 1925 and have been insuring truckers for over 40 years!

We insure all kinds of motor carriers—common carriers, milk haulers, sand & gravel, flatbeds, refrigerated freight, and much more! 

Both—and everything in between! We have the expertise and coverages to adequately insure large trucking firms, yet we understand the unique needs and market demands of small operations. 

Yes. Acuity will make the necessary federal and state filings your operation needs. Whether it is a financial proof of responsibility or a cargo filing, Acuity knows these filings are critical to your business and will handle them for you when you need them.

We are one of the rare companies that maintain A+ financial ratings from A.M. Best and Standard and Poor’s.  Of the 3,000 property-casualty carriers in the nation, we’ve consistently been ranked as one of the best-run companies by Ward Financial Group.

Having been in the trucking business many years, it was important for me to find a company I was comfortable working with that demonstrated ongoing honesty and integrity in their business practices. I believe I found that with Acuity. In addition, I believe we can revolutionize the relationship between the trucker and insurance company so both understand each other and can partner to obtain the best results possible.

The working knowledge I’ve gained in my 30 years of trucking industry experience allows me to understand our trucking customers’ real-world issues and provide information and training to Acuity employees to better evaluate trucking operations, help reduce their risks, and handle claims. I also assist in developing better products and services for our trucking customers.

Do your due diligence in putting together a good business plan is the best advice I can give. Understand who your customers will be and whether you can find a niche market that sets you apart from others. Consider your accounts receivable and operating cash flow. Will you have enough to buy diesel and pay for repairs, wages, and fees before your cash flow stabilizes? Ask yourself why a professional driver should work for you. What do you offer to meet a driver’s needs and promote a mutually beneficial and long-term relationship? How will your company successfully manage the regulations specific to the trucking industry and employees?  How will you instill safe operations within your company’s culture, so unnecessary and preventable losses do not occur and eat away at profits? Partner with reputable businesses for your fuel, tire, parts, and equipment dealers and  a strong insurance company that understands your industry. A comprehensive business plan will impact how you begin and finance your business and at what speed you may wish to grow.

I like to make a difference in people lives, so working to make Acuity the best insurance company for truckers is very rewarding for me. This reputation has to be earned every day through meeting people’s needs and helping them prepare for any eventuality.

For good or bad, comfortable or not, change is the one thing that is certain in the trucking industry of tomorrow. Change is coming in technology, including communication, planning, logistics, and equipment. Regulations, customer needs, driver availability, and ideas on driver retention need to be considered and planned for. Those who do not plan and just wait for tomorrow to happen may have a harder time catching up in the competitive world of the trucking industry.  As a result, the trucking industry of tomorrow will be more formal, utilizing accepted best practices to ensure efficiencies within their operations.