Issam Insurance Agency lets you focus on the way ahead with comprehensive protection.
Learn About Issam Insurance Agency
As a trucker or business owner, you already have so much to worry about in your busy schedule—insurance shouldn’t be one of them. We are an independent insurance agency focused on helping make your life easier. With an assortment of coverage solutions, we can help you find business insurance to meet your needs. We also offer coverage for your home, personal vehicle, and more so we can be your one-stop shop for insurance.
You get more than just insurance coverage at Issam Insurance Agency. We are an independent insurance agency, which means you get the power of choice. By working with several top-rated insurance carriers, we can offer you a variety of options when it comes to your protection. Coupled with our knowledgeable and dedicated customer service, we’re paving the road towards better insurance so you can stay focused on the horizon ahead.
The Solution to Your Insurance Needs
Issam Insurance Agency offers a variety of transportation insurance, business insurance, and personal insurance solutions to help you protect what matters most.
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Serving Ohio and Beyond
From our office in Westerville, OH, we serve trucking and business insurance clients throughout Ohio and in over five other states.
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Progressive, Nationwide, and more!
The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.
Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.
Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.
On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.
Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.
Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.
Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?
Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.
There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.
If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.
A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.
Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.
Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.
Motor truck general liability insurance may provide coverage for bodily injury and property damage, personal or advertising injury, and other damages caused by the company’s own negligence.
For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.
Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.
If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.
Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.
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Check out our 80+ five-star reviews and see why you should switch to Issam Insurance Agency.
“Issam is great and knowledgeable at his job. He does his work in a timely and professional manner. His customer service skills are awesome and rare today! Thanks for the help and needed feedback.”
“Issam was exceptionally fast and extremely helpful in finding us an amazing quote and plan for our business. Would definitely recommend! 10/10.”
“Issam was very professional and responsive. I have gotten a great deal considering my driving records. I highly recommend dealing with them. The whole process took less than one hour.”
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