1st Guard Commercial Truck Insurance Review

Rating: 8.2 / 10 (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.

How is 1st Guard rated?


Coverage Options
Pricing & Discounts
Financial Strength
Customer Experience

Overall Rating: 8.2 / 10 (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 Options - 8 / 10

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

Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
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

Pricing & Discounts - 8 / 10

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

1st Guard Financial Strength

Financial Strength - 8 / 10

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
Year Founded
Company Type

1st Guard Customer Experience

Customer Experience - 9 / 10

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
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
0.0 out of 10
NAICS Complaint Ratio 2017
NAICS Total Complaints 2017
Date Collected

Company Profile

Full Name
1st Guard Commercial Truck Insurance
Company Website
200 Nokomis Ave South Floor 4, Venice, FL, 34285

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Top Rated
Our Partner
9.9 / 10
  • Request an online quote
  • Expansive list of covered vehicles to meet business need
  • Flexible coverage and payment options
  • Specialized heavy truck claim service
  • Discounts and professional support