Protect your vehicles, cargo, and liability — all in one customized policy built for business. Whether you run a single van or a full fleet, Guardian Ridge keeps you road-ready, contract-compliant, and financially secure.
Every vehicle on the road represents a risk to your business. From accidents and cargo loss to trailer damage and legal claims, just one incident can interrupt operations and drain your finances. That’s why Guardian Ridge offers a complete insurance solution designed for owner-operators, regional fleets, and logistics companies. We help you stay covered, compliant, and confident behind the wheel — no matter where the road takes you.
We offer end-to-end protection tailored to your operations, so whether you manage one vehicle or an entire fleet, you’re covered from every angle.
This essential coverage protects you financially when your vehicle causes bodily injury or property damage to another person. It includes legal defense costs, court settlements, and third-party medical bills. Auto liability is mandatory in nearly every U.S. state and is the legal foundation of any commercial auto policy.
Built for companies that rely on vehicles to serve clients, make deliveries, or transport tools and equipment. Vehicles owned, leased, or rented by your company are covered by this coverage, including cars, vans, box trucks, and more. It includes:
If you use your vehicle for personal matters, you still need insurance. We offer comprehensive and customizable plans for families and individuals that go beyond the minimum legal requirements. We help protect your vehicle—and your finances—whether you’re commuting to work, running errands, or taking a road trip. Our policies include:
Also known as bobtail insurance, this coverage protects owner-operators when they’re driving their truck without a trailer or outside of an active dispatch. For instance, non-trucking liability covers the expenses if you cause an accident while returning home following a drop-off. It’s especially critical for leased drivers who operate under a motor carrier’s authority but use their truck for personal travel or between jobs.
Transporting freight always comes with risk. Cargo insurance protects the value of goods you’re hauling against common threats like theft, fire, collision, vandalism, and weather damage. Whether you’re moving electronics, produce, textiles, or building materials, cargo coverage ensures:
When you’re hauling trailers that don’t belong to you under a trailer interchange agreement, your business is responsible for those trailers while they’re in your possession. This policy covers:
Your vehicles are your assets, and keeping them on the road is critical to keeping your business moving. Physical damage coverage includes:
Your business isn’t just exposed on the road; it’s also vulnerable at job sites, offices, and client locations. General liability insurance protects your company from third-party claims related to:
Many commercial contracts and landlord agreements require proof of general liability coverage. It’s a smart, proactive step toward protecting your brand and your bottom line.
Guardian Ridge serves a broad spectrum of customers in the transportation, trades, and logistics industries, such as:
Getting covered with Guardian Ridge is quick and simple:
From cargo and trailers to liability and physical damage, Guardian Ridge is your trusted partner for full-spectrum commercial auto insurance. Get a free quote and drive forward with confidence.
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