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​At Thomas Wilson Group, LLC, we provide programs for new truckers or veteran truckers allowing you to access multiple programs. Providing commercial truck insurance in TN, AL, MS, FL, TX, and many more.


Truck Programs we provide:


We specialize in tractor-trailers and dump trucks of all sizes, flatbeds and we also provide Truckers’ Liability, Cargo, and General Liability.


Trucking Businesses we market to:


We can provide programs if you use your truck in any of the following businesses:


·       Local trucking

·       Long Haul Trucking

·       Regional Trucking

·       For other coverage’s, give us a call to see if we have added a new program.

Types of Programs We Provide:


We offer coverage’s that meet the needs of today's trucker, including:


  • Liability

  • Physical Damage (Collision, Comprehensive and Specified Perils)

  • Bobtail or Non Trucking

  • Occupational Accident – with our without contingent liability

  • Medical, Dental, Vision and more

Get Quotes Immediately for Physical Damage and Bobtail


Call 1.866.223.8013 for a no-obligation quote today. If you choose to buy, you can start your commercial insurance policy with our carriers immediately.  

There are many different types of liability coverages providing varying amounts of protection.  As an owner/operator of a commercial truck, it is advisable to consult your lease agreement with your carrier to determine which type of coverage you are required to maintain. Many contracts will use the terms bobtail liability and non-trucking liability together, suggesting that the terms mean the same thing. However, there is a subtle, and somewhat confusing, difference about the actual definition of bobtail liability coverage. You should know what bobtail liability is and have the right commercial truck insurance coverage in place before an accident costs you an enormous amount of money. 

Using your tuck without the trailer attached is commonly referred to as “bobtailing” or “deadheading.” If you want to or are required to have insurance coverage for when your truck is operated without the trailer, the type of insurance you should purchase is bobtail liability coverage. This type of liability protection will cover you when the truck is driven without the trailer, regardless of whether or not you are under dispatch and covers any damage that occurs to your truck. It would probably be helpful to have a few examples to further explain when and why bobtail liability coverage is necessary. The coverage would apply, for example, when your drive your tractor without its trailer to and from the terminal. It would also apply when you are traveling between loads without the trailer attached. Again, bobtail liability coverage is applicable whether or not you were dispatched for these hauls.

True bobtail liability insurance offers broader coverage than other types of liability insurance. It can be more costly. Some motor carriers prefer their owner/operators to have bobtail insurance. Because the coverage is so broad, it often limits the carrier’s own exposure. Sometimes, the motor carrier’s contract or lease agreement will have language in it stipulating the requirement for liability coverage as either bobtail or non-trucking liability. Or, the wording in the contract may require different degrees and/or types of coverage. As an owner/operator, it is important for you to ask the carrier specifically which coverage they want you to have. By asking specific questions and understanding what bobtail liability truly is, you can be certain what liability you need to assume for your truck.  Learn more about Non-Trucking Liability (Previously called "Bobtail or Deadhead"). ​

​Physical Damage Coverage:

Physical damage insurance for trucking operations offers protection for your over-the-road equipment.  Various deductibles, self-insured retentions, downtime coverage, location-specific catastrophe coverage, and other options offer flexibility for your needs.  Optional coverage can be provided for permanently installed electronic equipment, such as as fax machines, computers, cellular phones, and other communication equipment.  Rental reimbursement, deductible reimbursement for owner-operators, and coverage for shipping containers are also available. 

Long-term relationships with established repair facilities, towing companies, and parts suppliers throughout the U.S. add value to our physical damage product.  Your equipment will receive attention it deserves no matter where it is repaired.


Providing commercial truck insurance in TN, AL, MS, FL, TX, and many more.

Owner Operator Physical Damage Insurance for Truckers

Commercial truck insurance rates are going up.  Most trucking companies are seeing their rates go up 20-30%. Commercial truck insurance rates with Thomas Wilson Group, LLC. are always competitive.  We want to make sure your insurance is within your budget and you can have the peace of mind of having you and your truck properly covered.  


Get a commercial truck insurance quote online