At Urban we understand that your vehicles are key to operating your business, and without the right insurance your business comes to a standstill.  You can trust Urban Insurance to help answer all of your truck insurance questions. We have a A+ rating at the Better Business Bureau and we will search  a variety of companies to find you the lowest rates for the coverage you need.
We understand that money is tight; so we work with you to offer personalized insurance policies, and then since we can finance them in-house, we can offer low down payments and flexible monthly payments.

At Urban we get that commercial insurance can be mystifying, the state and federal governments constantly changing their rules, only make matters more confusing. It is with that in mind that we have added many pages of information and provided answers to many common questions. Please remember that you are welcome to call us at 312-664-8088 with your questions.

I use my vehicle for business, do I need truck insurance?

Yes, and since you found this page it’s a safe bet you already know that. The question is what types of coverage do you need. Below are some of the most common

Business Auto Policies
This protects you against damages done to people or property by any vehicle used as a part of your business. This type of coverage is obvious and essential. Many kinds of trucks require special plates in order to be on the road, the Secretary of State will not sell you those plates without verification that you have the correct insurance at the required limits.

General Liability
is a broad type of business insurance that protects you against claims of bodily injury and property damage, caused by your business operations. It helps cover legal costs, medical expenses, and settlements in the event your business is held responsible for an accident or lawsuit. Many companies will require you show Proof of Coverage before they give you a contract.

Cargo Insurance 
This protects freight that is damaged or lost due to accidents, fires, natural disasters, or theft while being transported.

SAM Sexual Abuse and Molestation Coverage 
This form of insurance is often required when a company provide rides for passengers. It protects against claims of Sexual and Physical Abuse. Due to the nature of these claims, they can be very difficult, and expensive to defend in court. This coverage protects your company, as well as those companies with whom you are contracted.

Commercial Insurance Quote page
Public Transportation Insurance Information
Towing Information Page
Commercial glossary
Business Insurance FAQ
Flat Beds and Tow Truck Rules
Bobtail and Over the Road Trucks