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1st Guard Commercial Truck Insurance Review


ConsumersAdvocate.org Rating: 4.1 / 5 (Excellent)
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1st Guard is a Florida-based insurance company that specializes in commercial vehicle and truck insurance. The company underwrites physical damage, non-trucking liability, and occupational accident insurance. 1st Guard also offers discounts through several programs such as Project Green, Trucker1, Anti-Theft, and E-payment.
 
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How is 1st Guard rated?

Breakdown

4.0/5
Coverage
4.0/5
Total Costs
4.5/5
Extras

Overall Rating: 4.1 / 5 (Excellent)

1st Guard insurance is a little different than the other companies we reviewed because its offering is solely focused on trucks. Naturally, this means their coverage provides many truck-oriented options. Consumers must call a customer representative directly to get a quote—the company's online application doesn't produce actual numbers—, and can also ask about additional discounts not advertised on the website. If a consumer is looking to cover vehicles outside the scope of trucks, we recommend looking elsewhere.

1st Guard Coverage Options

Coverage - 4 / 5

1st Guard's coverage options mainly extend to truck-related policies. Unlike many others of the commercial vehicle insurance carriers we review, 1st Guard only offers insurance for truck and truck-like vehicles.

Basic Coverage

Liability
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
Collision
Comprehensive
Types of Vehicles Covered
Pickup Truck
Bucket Trucks
Catering Trucks
Refrigerator Trucks
Dump Trucks

Additional Coverage

  • Towing & Labor Costs
  • Rental Reimbursement
Truck-Specific Coverage
Motor Truck General Liability
Motor Truck Cargo
Non-Trucking Liability
Rental Reimbursement with Downtime

1st Guard Pricing & Discounts

Total Costs - 4 / 5

Although 1st Guard advertises online quotes, the process actually redirects consumers to the company contact page where they can fill in some information to receive a phone call. 1st Guard advertises three kinds of discounts: one for making automatic electronic payments, one for taking part in their Project Green, and another for signing up your trucking company with 1st Guard. Additional discounts are available, but these are not disclosed on their webpage.
Online Quote
Yes

1st Guard Financial Strength

Financial Strength - 4 / 5

1st Guard was founded in 1937 as a small business insurance agency in Detroit. They then branched out to include commercial truck insurance, which is now their sole focus. The company writes all its own policies and has an excellent A rating with AM Best.
AM Best Financial Rating
A
Year Founded
1937
Company Type
Underwriter

1st Guard Customer Experience

Extras - 4.5 / 5

While 1st Guard is not accredited with the BBB, they do have an A+ rating. However, there are no customer reviews on the page, and the company has no Trustpilot presence. On the NAICS, they have zero complaints, which means their complaint ratio is well below the national average.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
0
Trustpilot Rating
0.0 out of 10
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2017
0
Date Collected
2018-03-27

Company Profile

Full Name
1st Guard Commercial Truck Insurance
Company Website
http://www.1stguard.com
Headquarters
200 Nokomis Ave South Floor 4, Venice, FL, 34285

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Top Rated
Our Partner
  • Business insurance broker that works with well-regarded insurers
  • Offers Cyber, Business Owners Policy (BOP), General Liability, Professional Liability (Errors & Omissions), Workers Compensation, Commercial Auto, Directors & Officers
  • Operates in all 50 states plus DC
  • Connects to customers via web interface or phone
  • Produces competing insurance offers for customers to choose among
  • Focuses on small- to medium-sized businesses
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