Truck-Insurance

What Truck-Insurance does

Truck-Insurance is operated by USA Agency, LLC, an independent insurance agency founded in 1942 and headquartered in Tarentum, Pennsylvania. The agency specializes in commercial truck and transportation insurance, serving owner-operators and fleet operators across 42 states through direct sales and online quoting channels. It distributes carrier products under partnerships with Erie Insurance and Progressive, and has extended its product line to include cyber insurance and tech firm insurance in adjacent commercial lines.

The business model is a traditional commission-based independent agency model: USA Agency does not underwrite risk itself, but rather matches commercial transportation clients to carrier partners and earns commissions on bound policies. Carrier partnerships with Erie Insurance and Progressive provide the underwriting capacity, while USA Agency contributes licensing reach (42 states), client prospecting, and policy servicing. Products include primary liability, physical damage, motor truck cargo, and other transportation coverages, supplemented by cyber and tech firm offerings.

The go-to-market is sales-led, combining inbound online quote requests with direct outreach to commercial truck operators. The firm operates with a small staff (1-10 employees), consistent with a boutique independent agency. No technology platform, proprietary AI, or funding rounds are disclosed; the underlying operation rests on carrier integrations, licensed producer relationships, and 80+ years of operating history in the transportation insurance niche.

Name

Truck-Insurance

Legal name

USA Agency, LLC

Website

https://truck-insurance.com

Company type

Private

Founded year

1942

Operating status

Operating

Headcount range

1–10 employees

Short description

Truck-Insurance is operated by USA Agency, LLC, an independent insurance agency founded in 1942 in Tarentum, PA, specializing in commercial truck and transportation insurance distributed across 42 states via carrier partnerships with Erie Insurance and Progressive.

Ownership category

akta.pro rank

Product category

Commercial Trucking Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

akta.pro secondary industries

Fleet & Commercial Auto Liability (FSAJABAA), Motor Truck Cargo (FSAJABAC), Non-Trucking Liability / Bobtail (FSAJABAD), Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)

Keywords

• Commercial trucking insurance
• Transportation insurance
• Motor carrier coverage
• Independent insurance agency
• Cargo liability insurance

Headquarters

HQ city

Cheswick

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Agency Commissions: USA Agency, LLC generates revenue through commissions from insurance carriers. As an independent agency, they represent multiple insurance companies (Erie Insurance, Progressive, and others) and earn commissions on policies sold to trucking and transportation clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

USA Agency, LLC (doing business as Truck-Insurance) is an independent insurance agency that brokers commercial trucking and transportation insurance products from multiple carriers including Erie Insurance and Progressive. Its core offering is trucking-specific coverage such as Commercial Trucking Insurance, Bobtail, Non-Trucking Liability, Trailer Interchange, Garagekeepers and On-Hook, Motor Truck Cargo, Motor Truck General Liability, Physical Damage, and Rental Reimbursement With Downtime, supplemented by personal and business insurance lines for holistic client coverage.

Product overview

USA Agency, LLC is an independent insurance agency that offers a comprehensive portfolio of insurance products primarily focused on the truck and transportation industry. The core product offering centers around specialized trucking insurance products including Commercial Trucking Insurance, Garagekeepers and On-Hook Insurance, Bobtail Insurance, Non-Trucking Liability Insurance, Trailer Interchange Insurance, Rental Reimbursement With Downtime, Motor Truck General Liability Insurance, Motor Truck Cargo Insurance, and Physical Damage Insurance. Beyond trucking, the agency provides Business Insurance products (Business Auto, Business Owners, Commercial Umbrella, Workers' Compensation, Cyber Security Contractor), Personal Insurance products (Home, Auto, Individual Life, Renters, Umbrella, Travel), and industry-specific coverages (Landlord and Rental Property, Contractor, Technology Firm, Transportation). The agency operates as an independent agency representing multiple carriers including Erie Insurance and Progressive, offering solutions across 42 states with licensing in Pennsylvania, West Virginia, and Ohio.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Trucking Insurance Insurance coverage for private carriers and owner-operators, including coverage for trucks used under motor carrier authority or permanent lease arrangements.
• Bobtail Insurance Liability coverage for trucks driven without trailers attached, providing protection for legal fees, damages, and medical expenses when operating under someone else's trucking authority.
• Non-Trucking Liability Insurance Coverage for trucks under permanent lease to a motor carrier when driven for personal or non-business purposes.
• Trailer Interchange Insurance Protection for damages to trailers during the period of possession under a trailer interchange agreement between truckers.
• Garagekeepers and On-Hook Insurance Protection for towed vehicles during the towing process and while temporarily stored at a towing company's location.
• Rental Reimbursement With Downtime Coverage for truck payments and other bills while the truck is inoperable due to covered loss, including reimbursement for temporary replacement trucks.
• Motor Truck General Liability Insurance Coverage for bodily injury, property damage, personal or advertising injury, and damages caused by company negligence including customer injuries, delivery mistakes, and property damage.
• Motor Truck Cargo Insurance Coverage for damaged cargo, removal expenses, lost cargo, legal fees, and freight charges when freight or goods are in the possession of the trucker.
• Physical Damage Insurance Coverage for repairs to the policyholder's own vehicle when damaged by themselves or factors they cannot be held responsible for, including vandalism, fire, and theft.
• Business Auto Insurance
• Business Owners Insurance Combined coverage package for business owners including property and liability protection.
• Commercial Umbrella Insurance Additional liability coverage that extends beyond the limits of other insurance policies.
• Workers' Compensation Insurance Coverage for employee injuries and illnesses sustained in the course of employment.
• Landlord and Rental Property Insurance Coverage for rental properties and landlord liability.
• Contractor Insurance Insurance coverage tailored for contractors and construction professionals.
• Technology Firm Insurance Insurance solutions designed for technology companies and firms.
• Cyber Security Contractor Insurance Insurance coverage designed for cybersecurity contractors and technology firms.
• Transportation Insurance Insurance coverage for the broader transportation industry beyond trucking.
• Home Insurance Personal property and liability coverage for homeowners.
• Auto Insurance Coverage for personal vehicles including liability and physical damage protection.
• Individual Life Insurance Personal life insurance coverage for individuals and families.
• Renters Insurance Coverage for personal property and liability for renters.
• Personal Umbrella Insurance Personal liability coverage extending beyond other insurance policy limits.
• Travel Insurance Coverage for personal travel including trip cancellation, medical emergencies, and lost baggage.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorErie Insurance is a primary insurance carrier represented by USA Agency, LLC. As an independent agency partner, they provide insurance products that USA Agency, LLC resells to trucking and transportation clients alongside other carrier partnerships.
• ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive Insurance is a major carrier partner of USA Agency, LLC. The agency represents Progressive alongside Erie Insurance and other carriers, providing competitive insurance options for trucking and commercial auto coverage.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Smart Commercial Truck Insurance: Smart Commercial Truck Insurance is an independent agency providing commercial trucking insurance to owner-operators nationwide. Comparable to USA Agency by serving the same niche customer with multi-carrier quoting across all 50 states via digital channels.
• North American Truck Insurance: North American Truck Insurance is an independent agency specializing in commercial trucking insurance for owner-operators and fleets. Comparable to USA Agency as a niche-focused independent brokerage with multi-carrier access and trucking-specific product expertise.
• Highrise Financial / Truck Insurance Quotes: Truck Insurance Quotes (operated by Highrise Financial) is a digital commercial trucking insurance agency offering bobtail, cargo, physical damage, and liability coverage to owner-operators. Comparable to USA Agency as a competing brokerage in the same trucking niche with nationwide reach and multi-carrier access.
• OOIDA (Owner-Operator Independent Drivers Association) Trucking Insurance: OOIDA's insurance program offers commercial trucking coverage specifically designed for owner-operators, with similar product scope to USA Agency (bobtail, non-trucking, cargo, physical damage). Directly comparable target market and product mix, with strong brand affinity in the trucking community.
• National Interstate Insurance Company: National Interstate is a specialty commercial insurer focused on the trucking and transportation industry, providing similar products to USA Agency (bobtail, non-trucking liability, motor truck cargo, physical damage). Comparable as a niche-focused competitor in commercial trucking insurance, though operating as a direct carrier rather than an agency.

Emerging players

• CoverWallet: CoverWallet is a digital commercial insurance broker serving small businesses including trucking and transportation. Comparable to USA Agency because it offers commercial auto, cargo, and general liability to trucking SMBs through an online platform - representing the digital-native threat the agency faces.
• Bold Penguin: Bold Penguin is a commercial insurance technology platform that powers small business insurance placement for agents and carriers. Comparable to USA Agency because it serves the same commercial trucking customer base via a multi-carrier model, but as an enabling technology provider rather than a retail agency.
• Simply Business: Simply Business is an online insurance marketplace specializing in small commercial insurance including trucking. Comparable to USA Agency as a multi-carrier brokerage model targeting SMBs with commercial auto coverage, but delivered via digital UX rather than phone-driven outreach.

Broad incumbents

• Erie Insurance: Erie Insurance is a regional property/casualty carrier and core carrier partner of USA Agency. Comparable because Erie writes commercial auto and personal lines that flow through independent agencies in PA, WV, and OH - the same geographies where USA Agency operates.
• Progressive Commercial: Progressive's commercial trucking division is one of the largest direct writers of commercial truck insurance in the US. Comparable to USA Agency because it serves the same trucking/owner-operator customer base with overlapping coverage products (bobtail, cargo, liability); differs as a direct carrier rather than an independent agency.

Market position

Strengths4 records

Weaknesses2 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/usainsurancebrokers
• LinkedInlinkedin.com/company/usa-insurance-brokers-llc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Truck-Insurance