In today’s ever-changing environment, risk is constant. Trucking insurance isn’t. We’ll thoroughly assess your trucking business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

We know that you cannot outrun your risk, but you can be ready for it. At Marvin Johnson & Associates, we offer a full array of insurance products. Our insurance advisors can help you identify gaps in coverage, look for ways to save money, and help to keep your rig or fleet safely on the road.

Trucking Insurance

Primary Liability

Primary liability is the main truck insurance coverage that a carrier will have. In most cases, if the driver is leased to another motor carrier Primary liability of the motor carrier will cover an accident while under dispatch. Primary liability is required in order to legally operate a truck.

Physical Damage

Physical damage coverage can pay for repairs to your truck if it’s damaged in an accident, whether it’s caused by a collision with another vehicle or a falling tree branch, and can include collision insurance, comprehensive insurance, or fire and theft with combined additional coverages.

Motor Truck Cargo

Motor truck cargo insurance (cargo) provides insurance on the freight or commodity hauled by a motor carrier. A growing number of risk managers require motor-carriers to insure their cargo. This insurance covers you when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport.

Workers Compensation

Trucking workers compensation insurance protects your business and our employees from the risks that are characteristic of your industry. Marvin Johnson and Associates offers workers compensation protection that is customized to the trucking business and we use the most experienced and trustworthy workers compensation insurance brokers.

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Property Coverage

Property coverage protects your investment in property and equipment that you may purchase or lease, while its in your care, custody and control. Choosing the right motor carrier coverage is the best way to protect your investment and your business.

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Medical Payments insurance

Medical payments insurance, which is available in select states, is first party coverage which can pay medical bills in the case you are involved in an accident or receive an auto-related injury.

Uninsured Motorist insurance

Uninsured motorist insurance can pay for injuries and damages to you and your vehicle, where available, caused by drivers who either don’t have insurance, hit and run, or are under-insured and do not have enough insurance to cover your injuries and damages.

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Life, Health & Employee Benefits

Personal Life Insurance

Life insurance gives you the peace of mind you only get from knowing that you’ve protected your loved ones. In the event of your passing, life insurance provides money directly to your beneficiaries. In addition, permanent life insurance offers a cash value component which can be put to good use during your lifetime.

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Key Man Insurance

With many small businesses the key man or key employee in the business is the business owner. In these cases, key man life insurance can be purchased on the life of the business owner to protect the company in the event that he/she unexpectedly passes away.

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Life Insurance as Loan Collateral

Loans are crucial to the expansion and growth of small businesses. Whether your business is acquiring funds from a local bank, the SBA or a private lender, many of these institutions will require life insurance on the business owner(s) as security for the loan.

Group Health Plans

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process to evaluate your options and find the most affordable solution so you can hire and retain top talent.

Estate Planning for Business Owners

In many cases, the majority of a business owner’s estate is tied up in the value of the business. Without an effective estate plan, including a business succession plan, the business may have to close or be liquidated to pay estate taxes. With the proper use of life insurance, a business owner can provide the liquidity needed to pay any estate taxes due at his or her death.

Individuals Health Plans

Choosing the right health insurance for you and your family is an important decision. We understand, and we want you to feel confident in your choice. We will help guide you through the enrollment process and explain the various private and public options available including helping you access the Federal Exchange/Marketplace for potential Tax Credits and Subsidies.

Buy-Sell Agreement Funding and Life Insurance

A buy-sell agreement is a legally binding contract which states that at an owner or partner’s death, disability, retirement or otherwise separation from the company, the individual’s interest in the company must be sold back to the business or to the remaining owners at agreed upon terms. These agreements are crucial for small and closely held companies.