Protection you need and Coverage you can afford.
Businesses that depend on vehicles to get the job done need insurance to protect against the risks that drivers and other employees face. Whether it’s a collision, weather-related damage, or equipment-related loss, insurance protects trucking businesses from liabilities that cause financial peril.
At ThomCo Insurance, we understand the risks and exposures that truckers and trucking businesses face and we know how to mitigate these risks and exposures through insurance solutions. We also understand that not all insurance providers are the same. We are independent, which means that we have the ability to specialize. Specialization results in meaningful coverage.
For your business, accept no less than customized coverage tailored exactly to your needs. Also, ensure that your agent knows the details of your situation, market, and operations. These details are keys to proper coverage. At ThomCo we make detailed assessments of each client’s needs and situation fundamental elements of our products and services. For this reason and others, we are one of the most successful and trusted trucking insurance providers in the Midwest.
Who do we cover and what Coverages do we provide?
Some of the coverages you buy are required by USDOT. Others are required by state authorities or by shippers. Sometimes you may need worker’s compensation and other times you may not. You may need uninsured motorists insurance (UIM), personal injury protection (PIP), and bobtail insurance in some cases and not in others. These and other coverages are important to consider but may not be essential. It depends on your case.
At ThomCo we evaluate your unique situation and assign coverage to each element of your situation so that you are completely covered and pay minimal costs for the coverage. Our coverage options include:
- Primary Liability
- General Liability
- Bobtail Liability
- Workers’ Compensation
- Occupational Accident
- Cargo
- Physical Damage
- Excess Liability
- Owner Operators
- Contingent Coverages
- Fleets
We have long list of optional coverages not mentioned above that protect you against liabilities that you face through your unique operations. These options cover businesses in varying industries and that use different kinds of trucks. Whether you’re an owner-operator, motor-carrier, private-carrier, or other; and whether you use box, semi, flatbed, or other trucks; we can help protect you.
Our specialists will help you select coverage and outline all pertinent benefits and discounts. They will also provide you with ongoing support.
How is ThomCo Unique?
Value. Time, money, and convenience of products and services all contribute to overall value. An agency’s claims procedures should be easy to follow and the agency’s turnarounds should be quick. The staff should be helpful, knowledgeable, and accessible. In all cases, the agency should be prompt and should provide skilled assistance in protecting against risk, reducing accidents, and passing DOT audits. They should do this without saddling you with extra charges.
The agency should be transparent. When dealing with you, the agency should translate all terms, stipulations, and agreements into understandable language. You should be empowered to make your own decisions. An agency should not offer products at the lowest prices and claim that these products are equal to competitors’. They should prove that you’re buying ‘peace-of-mind’ by helping you compare their coverage to competitors’ and by providing exceptional services.
At ThomCo, we prove it with every product and in every service provide. We do more than provide you with coverage; we help you file claims, maximize discounts and benefits, offer comprehensive quotes, and lower the frequency and severity of losses. We also protect your company’s assets by emphasizing the link between good driving and cost reduction. In the event of an incident, a full-time, dedicated claims manager will make it easy to report a loss, track its status, and receive prompt payment.
We keep your business moving forward. From determining the right deductibles and coverage limits to helping your employees operate more safely, we provide products and services that give you confidence. We have been doing it for more thirty years, and there is nothing that gives us more satisfaction than helping a business operate successfully. The pride and joy that we take in this is expressed in every service we provide.
Please contact us today to find out more about how we help secure your operation.
Proudly serving Fresno, Lompoc, Clovis, Porterville, Visalia, Paso Robles, and surrounding areas.
