Truck insurance built for the way you run
Trucking is its own world, and a personal or standard commercial policy won't cut it. The truck insurance you carry has to satisfy your authority, your shippers, the brokers you haul for, and the FMCSA — all at once. Get one piece wrong and you're sitting at a dock waiting on a certificate, or worse, off the road.
As an independent agency, Goodwill Financial isn't tied to one company. We compare multiple trucking carriers and put together the package that fits your operation — long-haul, regional, local, hazmat, or refrigerated. We write everything from a single power unit to fleets up to about 25 trucks.
We've packaged this into our TRUCKER SECURE program: the core coverages owner-operators and small fleets need, plus the day-to-day service that keeps you moving — fast certificates of insurance and the right filings done right the first time.
- Owner-operators with their own authority
- Owner-operators leased onto a motor carrier
- Small fleets (single power unit up to ~25 trucks)
- Long-haul, regional, local, hazmat, and reefer operations
Independent agency vs. captive agent vs. buying direct
Here's the practical difference when you place your insurance with an independent agency like Goodwill Financial.
| What you get | Goodwill Financial Independent agency |
Captive agent | Buy-direct / online |
|---|---|---|---|
| Compares multiple carriers for you | ✓ | One carrier only | One company only |
| Switch carriers without you re-shopping | ✓ | ✗ | ✗ |
| Advice not tied to one company's products | ✓ | Sells one company | Sells one company |
| One agent from quote through claims | ✓ | Often a call center | Rarely the same person |
| Claims help & advocacy on your side | ✓ | Adjuster works for the carrier | You handle it yourself |
| Local Elmhurst office & multilingual team | ✓ | Varies | ✗ |
Areas we serve
Based in Elmhurst, we serve families and businesses across DuPage, Cook, and Will counties and the wider Chicagoland area — including Villa Park, Lombard, Oak Brook, Addison, Glen Ellyn, Downers Grove, Naperville, Darien, Woodridge, and Lemont. As an independent agency licensed in Illinois and beyond, we can keep you covered if you move or own property elsewhere.
What truck insurance actually covers
"Truck insurance" is really a stack of separate coverages. Which ones you need depends on whether you run under your own authority or lease onto a carrier, what you haul, and what your contracts require. Here's the plain-English version of each.
We'll walk through your operation, figure out which of these you're required to carry and which ones simply make sense, and explain the trade-offs before you buy anything.
- Primary liability — covers injury and property damage you cause to others while operating under dispatch. Required for authority, and the coverage brokers and shippers ask for first.
- Physical damage — pays to repair or replace your own truck and trailer after a collision, fire, theft, or other covered loss.
- Cargo — covers the freight you're hauling if it's damaged, lost, or stolen. Most shippers and brokers require proof of cargo coverage.
- Non-trucking liability (bobtail) — covers you when you're driving the truck but not under dispatch, the gap a leased-on driver hits when off-duty.
- Occupational accident — medical and disability coverage for owner-operators who don't carry workers' comp on themselves.
- Trailer interchange and workers' comp — for fleets and operations that swap trailers or run employees.
The TRUCKER SECURE program
TRUCKER SECURE is how Goodwill Financial delivers truck insurance to owner-operators and small fleets in Elmhurst, Chicagoland, and across the country. It bundles the coverages above with the service that actually affects your bottom line — because a policy you can't get a certificate from fast is a policy that costs you loads.
The difference is being independent. When one carrier's rate jumps or they stop writing your class of operation, we move you to another instead of leaving you stuck. And after a claim, we work to keep you placed rather than watching you get non-renewed.
If you run a mixed operation — trucks plus a yard, employees, or other vehicles — we can wrap your trucking coverage into a broader business program. See our business and commercial insurance page for the full lineup.
- Primary auto liability, cargo, and physical damage
- Non-trucking liability (bobtail) and occupational accident
- Workers' comp and trailer interchange for fleet operations
- FMCSA and MCS-90 filings handled for you
- Fast certificate of insurance turnaround so you're never stuck at a dock
- Carrier options that keep you covered after a claim
Local agency, multilingual team, nationwide carriers
Goodwill Financial was built by immigrants to protect immigrant families and small-business owners — and a lot of those owners are behind the wheel. Our team works with you in English, Lithuanian, Ukrainian, Russian, Polish, and Spanish, so the person explaining your liability limits speaks your language.
We're based at 579 W. North Ave, Suite 300 in Elmhurst, IL, serving truckers across Chicagoland and nationwide. You get a real agent who knows your name and your trucks — backed by a 4.9-star Google rating from the people we've already covered.
Frequently asked questions
How much does truck insurance cost for an owner-operator?
There's no flat price. Your premium depends on what you haul, your radius of operation, your driving and claims history, the value of your truck and trailer, and which coverages you carry. Because we're independent, we compare several trucking carriers and find the best fit for your operation rather than quoting a single company. Call 630-785-2412 and we'll put real numbers together.
Do I need cargo insurance if I lease onto a carrier?
Often, yes. Even when you're leased on, many motor carriers and brokers require the owner-operator to carry their own cargo coverage, and your lease agreement may spell out a minimum limit. We'll review your lease and your contracts so you carry exactly what's required — no gaps, no paying for coverage you don't need.
What's the difference between primary liability and non-trucking liability?
Primary liability covers you while you're operating under dispatch — hauling a load. Non-trucking liability (also called bobtail) covers you when you're driving the truck but not under dispatch, such as heading home after dropping a load. Leased-on drivers usually need both, because the motor carrier's policy typically only covers them while under dispatch.
Can you get me a certificate of insurance fast?
Yes. Fast COI turnaround is a core part of the TRUCKER SECURE program, because a missing certificate means a missed load. Once you're a client, we can issue certificates to your brokers and shippers quickly so you're never stuck waiting at a dock.
Business & Commercial Insurance · Get a Proposal · Personal Insurance (auto, home & more) · About Goodwill Financial