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The
Importance of
Commercial Truck Insurance in Boone, NC
- Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
- Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
- That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.
Service Areas
The Commercial Truck
Insurance Agency in Boone, NC You Can Trust
Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.
As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.
We Put Truckers First Because Others Don't
Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.
At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.
One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.
Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.
If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:
- Affordable Trucking Insurance Plans for Any Budget
- Exemplary Customer Service
- Seasoned Transportation Specialists Who Customize Plans to Your Needs
- A+ Carriers Across the Country
- Simple, Easy Quote and Bind Process
- Multiple Insurance Carriers Quoted to Find You the Best Rates
- Truck Insurance for New Ventures
Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.
The Commercial Truck
Common Types of Big Rig Truck Insurance in Boone, NC
At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.
As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.
Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.
For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.
Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.
While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.
Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.
Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.
Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:
- Business Interruption Insurance
- Reefer Breakdown Insurance
- Occupational Accident with Contract Liability Insurance
- Rental Reimbursement Insurance
- Underinsured or Uninsured Motorist Insurance
- Towing Insurance
- Electronics Insurance
- Much More
3 Safe Driving Tips to
Lower the Cost of Truck Insurance in Boone, NC
Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.
Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.
Implement Preventative Maintenance Plans
Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.
This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.
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Practice Defensive Driving
This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.
Some of the easiest ways for you or your drivers to practice safe driving include:
- Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
- Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
- Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
- Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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Find Ways to Prevent Distracted Driving
According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.
Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.
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Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.
This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.
Call Now
This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.
Some of the easiest ways for you or your drivers to practice safe driving include:
- Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
- Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
- Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
- Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Call Now
According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.
Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.
Call Now
FAQs About
Independence Insurance Agency
If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.
Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.
Typically, companies will look at claims that date back three years or less.
We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.
Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.
Independence Insurance Agency: Committed to the Trucking Industry
There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Boone, NC that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.
Latest News in Boone, NC
Where to Watch Appalachian State vs. Texas State Basketball: Tickets, TV, and Live Stream
Data Skrivehttps://www.wbtv.com/sports/betting/2024/02/07/appalachian-state-vs-texas-state-buy-college-basketball-tickets/
The Texas State Bobcats (7-13, 1-7 Sun Belt) face the Appalachian State Mountaineers (16-4, 7-1 Sun Belt) in a clash of Sun Belt squads at 8:00 PM ET on Wednesday. The game is available on ESPN+.If you're looking to go to this game in person, head to StubHub or ...
The Texas State Bobcats (7-13, 1-7 Sun Belt) face the Appalachian State Mountaineers (16-4, 7-1 Sun Belt) in a clash of Sun Belt squads at 8:00 PM ET on Wednesday. The game is available on ESPN+.
If you're looking to go to this game in person, head to StubHub or Ticketmaster to purchase your tickets!
Watch college basketball, other live sports and more on Fubo! Use our link to sign up for a free trial.
Buy Tickets for Other Appalachian State Basketball Games
Rep your team with officially licensed college basketball gear! Head to Fanatics to find jerseys, shirts, and much more.
Appalachian State Players to Watch
Texas State Players to Watch
Sportsbook Promo Codes
Appalachian State vs. Texas State Stat Comparison
| Texas State Rank | Texas State AVG | Appalachian State AVG | Appalachian State Rank | |
|---|---|---|---|---|
| 290th | 69.9 | Points Scored | 77.6 | 94th |
| 187th | 72.0 | Points Allowed | 63.7 | 15th |
| 237th | 34.8 | Rebounds | 42.6 | 7th |
| 104th | 9.8 | Off. Rebounds | 10.8 | 45th |
| 354th | 4.6 | 3pt Made | 6.8 | 239th |
| 269th | 12.2 | Assists | 15.5 | 59th |
| 209th | 11.8 | Turnovers | 10.4 | 88th |
Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER.
© 2023 Data Skrive. All rights reserved.
Where to Watch Texas State vs. Appalachian State Basketball: Tickets, TV, and Live Stream
Data Skrivehttps://www.kbtx.com/sports/betting/2024/02/07/texas-state-vs-appalachian-state-buy-college-basketball-tickets/
Wednesday's Sun Belt slate includes the Texas State Bobcats (7-13, 1-7 Sun Belt) playing the Appalachian State Mountaineers (16-4, 7-1 Sun Belt) at 8:00 PM ET on ESPN+.If you're looking to go to this matchup in person, head to StubHub or ...
Wednesday's Sun Belt slate includes the Texas State Bobcats (7-13, 1-7 Sun Belt) playing the Appalachian State Mountaineers (16-4, 7-1 Sun Belt) at 8:00 PM ET on ESPN+.
If you're looking to go to this matchup in person, head to StubHub or Ticketmaster to buy your tickets!
Watch college basketball, other live sports and more on Fubo! Use our link to sign up for a free trial.
Buy Tickets for Other Texas State Basketball Games
Rep your team with officially licensed college basketball gear! Head to Fanatics to find jerseys, shirts, and much more.
Texas State Players to Watch
Catch college basketball action all season long on Fubo!
Appalachian State Players to Watch
Sportsbook Promo Codes
Texas State vs. Appalachian State Stat Comparison
| Texas State Rank | Texas State AVG | Appalachian State AVG | Appalachian State Rank | |
|---|---|---|---|---|
| 290th | 69.9 | Points Scored | 77.6 | 94th |
| 187th | 72 | Points Allowed | 63.7 | 15th |
| 237th | 34.8 | Rebounds | 42.6 | 7th |
| 104th | 9.8 | Off. Rebounds | 10.8 | 45th |
| 354th | 4.6 | 3pt Made | 6.8 | 239th |
| 269th | 12.2 | Assists | 15.5 | 59th |
| 209th | 11.8 | Turnovers | 10.4 | 88th |
Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER.
Climbing the ladder: one grad’s story of leadership
The Appalachianhttps://theappalachianonline.com/climbing-the-ladder-one-grads-story-of-leadership/
As App State students graduate, the task of navigating through the workforce as a member of Generation Z commences. One App State student is balancing grad school and a full-time leadership position.At age 21, Eric Hesslink is working toward his master’s degree in Public Administration at App State and also works full-time for Watauga County Parks and Recreation as a program assistant. Hesslink graduated from App State i...
As App State students graduate, the task of navigating through the workforce as a member of Generation Z commences. One App State student is balancing grad school and a full-time leadership position.
At age 21, Eric Hesslink is working toward his master’s degree in Public Administration at App State and also works full-time for Watauga County Parks and Recreation as a program assistant. Hesslink graduated from App State in three years with a bachelor’s degree in political science. During his sophomore year of undergrad, he started a part-time lifeguarding position with Watauga Parks and Recreation.
Initially, Hesslink wanted to pursue a career in law and attend law school. However, during his experience as a lifeguard, he was able to interact and engage with the local community, leading him to change his career goals.
“I wanted to be a lawyer so I didn’t have the intention of wanting to work in local government,” he said. “However, I realized that wasn’t the career path I wanted to go down.”
Within a year, Hesslink worked his way up to the position of aquatic lead at the recreation center.
Cindy Brown Greer, a water fitness instructor at the recreation center, watched Hesslink climb the ladder from lifeguarding to aquatic lead. When Hesslink started to consider applying to his current position, Greer and Hesslink had many conversations about the promotion.
“We talked a lot about whether he should apply for this job or not,” she said.
Greer said she enjoyed working with Hesslink, saying he was a reliable employee, and encouraged him to apply for the position of program assistant.
“He’s very personable,” she said. “You can count on him to do what he says and find out information.”
Hesslink started his position on Oct. 1. His current roles involve overseeing front desk operations, managing the front desk and fitness staff and managing in-house facility reservations.
“It’s really hands-on,” Hesslink said. “You’re face-to-face with the community every day and it’s awesome to get to know people and help them out on a daily basis.”
Hesslink is currently learning additional leadership skills in his graduate classes which he applies to his position.
“Learning those leadership skills in the classroom and then getting to apply them in my job every day has been very beneficial,” he said.
One class that has proved beneficial to Hesslink is PA 5260, titled Organizational Theory and Behavior. Hesslink said topics covered in his classes, such as budgeting, are preparing him for real tasks associated with the recreation center.
Hesslink will graduate with a master’s in Public Administration while maintaining his full-time position with Watauga Parks and Recreation.
“It’s definitely a challenge,” he said.
Hesslink wants to continue to work his way up to become more involved in creating community events at the recreation center. Eventually, he wants to become a parks and recreation director or a county manager.
Hesslink said his experience of entering the workforce has taught him many life lessons, such as combating self-doubt. He said he would encourage fellow students who are members of Generation Z to manage their self-doubt and understand what they are capable of.
“Just because you are young doesn’t mean you can’t lead people who are way older than you, even younger than you,” he said. “Just be proud of the abilities that you possess.”
Students return to App State building amidst ongoing renovations
Dave Fahertyhttps://www.wsoctv.com/news/local/students-return-app-state-building-amidst-ongoing-renovations/PE22IN4YRNC3BLIRJLFQX544JY/
BOONE, N.C. — Safety concerns are being raised about a multimillion dollar construction project at Appalachian State University.Renovations are underway at Wey Hall, which houses the art department. But the bottom floor of the building is still in use, and students and have complained about the construction on the floors above them.Channel 9′s Dave Faherty learned last week, the school closed Wey Hall after a piece of concrete fell into an office area. Students had also reported cracks in ceiling tiles.Fortun...
BOONE, N.C. — Safety concerns are being raised about a multimillion dollar construction project at Appalachian State University.
Renovations are underway at Wey Hall, which houses the art department. But the bottom floor of the building is still in use, and students and have complained about the construction on the floors above them.
Channel 9′s Dave Faherty learned last week, the school closed Wey Hall after a piece of concrete fell into an office area. Students had also reported cracks in ceiling tiles.
Fortunately, it happened over spring break and no one was hurt. However, App State reopened Wey Hall on Monday morning after undergoing “multiple independent inspections.”
ALSO READ: Officers prevented ‘potential mass shooting’ in downtown Boone, chief says
Lauren Borer is an art student. She said she was in the building last week when the concrete fell.
“The neighboring professor came over with a ladder and removed a ceiling tile, and that’s when he pulled out a cement core,” she said.
The construction is part of a $24 million dollar project to renovate the hall, which was first built back in 1976.
The university said as part of reopening the building Monday, construction workers will no longer be drilling or doing other major infrastructure projects until the end of the semester. There will also be weekly safety reviews.
App State also said concrete debris has been removed from the ceiling above the students.
Faherty spoke with several students about the work being done and their concerns.
“Jackhammer and drilling, so while we’re trying to do our work, sometimes we can’t even hear the professor talk to us or tell us stuff,” student Ashlynd Scavotto said. “The walls are shaking when they’re demolishing the top floor. Debris and dust has fallen from the ceiling. The ventilation has got cut off.”
Scavotto said she and other students have signed a petition about the work on the floors above them. Some of the students believe they should receive some of their tuition back, too.
“Safe environment. That should be the basis,” Borer said. “Expectation when you go to college and that you spend thousands of dollars, that you’re going to be safe.”
It’s important to note that at the start of the project, the university relocated students and some of the faculty to an old dorm on campus.
By lunchtime Monday, more than 1,100 people had signed the petition.
(WATCH BELOW: Leaders in Boone condemn App State’s efforts to create 911 dispatch center)
$41,400 through NC Attorney General’s Environmental Enhancement Grant going to river improvements in Boone
wcnc.comhttps://www.wcnc.com/article/tech/science/environment/town-boone-nc-attorney-generals-environmental-enhancement-grant/275-d7ee562f-5b96-4c72-8379-9b88806b7cbf
"This is to ensure the continued safety of both the patrons of the Greenway Trail, as well as the safety of the wildlife who utilize the river," town leaders said.More VideosBOONE, N.C. — Funds are going to improve part of a Boone river, benefiting residents and wildlife.The town of Boone was awarded $41,400 through a North Carolina Attorney General’s Environmental Enhancement Grant. This will go with a $653,500 grant for t...
"This is to ensure the continued safety of both the patrons of the Greenway Trail, as well as the safety of the wildlife who utilize the river," town leaders said.
More Videos
BOONE, N.C. — Funds are going to improve part of a Boone river, benefiting residents and wildlife.
The town of Boone was awarded $41,400 through a North Carolina Attorney General’s Environmental Enhancement Grant. This will go with a $653,500 grant for the New River Conservancy, according to the town.
The combined funds are aimed at restoring part of the South Fork of the New River on the Greenway Trail near Deerfield Road. It's all in an effort to improve the riparian buffer and the aquatic habitat along that stretch of the river bank, and is expected to increase the water quality and stabilize the riverbank in the process.
"This is to ensure the continued safety of both the patrons of the Greenway Trail, as well as the safety of the wildlife who utilize the river," the town said in a news release.
Work on the project is expected to start in spring of 2025.
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