LimitedVerified Q1 2026
Source: Guard Insurance Group – Commercial Auto
Guard Insurance Group: Trucking Insurance Appetite
Guard is not a trucking market. Their commercial auto can handle light local delivery vehicles but for-hire trucking belongs at Progressive, National Interstate, or a specialty trucking insurer. Only consider Guard for ancillary fleet exposure on a small business account.
Available Lines
| Line of Business |
|---|
| Commercial Auto |
| General Liability |
| Workers' Compensation |
| Umbrella/Excess |
Premium Range
$3,000-$15,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Commercial auto available for light trucking and local delivery
- Can accommodate small fleets of 1-5 vehicles under 26,000 GVW
- Workers' comp for drivers at trucking class code rates
- Competitive for non-hazmat, local route operations
- Berkshire Hathaway financial backing
Limitations
- Long-haul and interstate for-hire trucking is not a target class
- No motor truck cargo coverage available
- Hazmat haulers and tanker operations are excluded
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