Physical damage insurance covers damage to your trucks from collisions, theft, weather, vandalism, and other covered perils. Whether you’re dealing with accident damage, hail, fire, or theft, physical damage protection keeps your fleet operational and prevents major financial losses. Since your trucks are your primary business asset, adequate coverage ensures quick repairs or replacement—minimizing downtime and protecting your revenue. Without physical damage insurance, a single accident or theft can devastate your operation and bottom line.
Direct guidance from owner Claudia—not a call center
Auto liability, cargo, physical damage, bobtail, and specialized endorsements in one place.
We help you establish and understand your business structure for optimal coverage.
Serving trucking businesses across the United States with local expertise.
No hidden fees—clear explanations of every coverage option.
Always available when your fleet needs us most.
CTB Insurance LLC is a specialized commercial trucking insurance agency serving the nation from Boca Raton, Florida. With a consultative approach led by owner Claudia, we combine expert knowledge with personalized guidance to deliver comprehensive coverage solutions for trucking businesses of all sizes. From auto liability and cargo protection to physical damage and specialized endorsements, we understand the unique challenges of fleet management and help you navigate every coverage decision with transparency and confidence. Serving trucking companies nationwide with responsive support and tailored solutions, CTB Insurance LLC is the trusted partner for reliable protection and peace of mind.
Physical damage insurance covers damage to your trucks from collisions, theft, vandalism, weather, fire, and other covered perils. It protects your vehicle whether the damage results from an accident you cause or from external events beyond your control.
Collision coverage pays for damage from accidents with other vehicles or objects. Comprehensive coverage protects against theft, weather, vandalism, and other non-collision events. Both are typically recommended for complete fleet protection.
Yes. Auto liability only covers third-party claims. Physical damage covers your own truck, so it’s essential separate coverage to protect your primary business asset from repair or replacement costs.
Deductibles range from $500 to $2,500 depending on your preference. Higher deductibles lower your premium, while lower deductibles mean lower out-of-pocket costs when damage occurs. We help you choose the right balance.
Yes. Coverage limits are based on your truck’s actual cash value. Newer trucks typically have higher limits, while older vehicles may have agreed-value or actual cash value options. We assess each vehicle individually.
