Learn About Keisling Insurance
Since 1985 Keisling Insurance has provided insurance solutions for individuals and businesses in Byrdstown, TN. As an independent agency, we know that there’s a person behind each policy that we provide and each person is important to us. Each person or business has their own needs, so we’re here each step of the way to help you with the process of choosing insurance for yourself or your business.
Since we work with a variety of insurance companies, we know that there can be differences in product quality, pricing, and service level. The experienced team at Keisling Insurance is ready to answer your questions, give a quote, or help file a claim. Together, we can find solutions to address your insurance coverage needs.
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We are proud to have over 100 reviews over the years, read some of them to see why our clients continue to recommend us.
Keep your business moving with transportation insurance. We offer transportation insurance for many different types of businesses.
We Have the Insurance Solutions for Your Needs
Keisling Insurance offers a variety of insurance by industry, personal insurance, business insurance, and employee benefits solutions to help you protect what matters most.
Serving Tennessee and Beyond
Keisling Insurance is located in Byrdstown, TN, and we are proud to serve businesses and individuals throughout Tennessee and Kentucky. We are licensed in 20 states.
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Great West Casualty, Grange, and more!
The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.
Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they’ll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.
Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it’s not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.
On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company’s location.
Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else’s trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.
Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else’s trucking authority and there is no trailer attached.
Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?
Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.
There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.
If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.
A truck that’s been damaged in an accident will need to be taken off the road for repairs. When the truck can’t be used, the business will lose money.
Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.
Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.
Motor truck general liability insurance may provide coverage for bodily injury and property damage, personal or advertising injury, and other damages caused by the company’s own negligence.
For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.
Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.
If a truck is damaged in an accident and another driver is not held liable for these damages, the truck’s owner would be responsible for the repairs. The truck’s owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.
Physical damage insurance covers the cost of repairs to your own vehicle if it’s damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.
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Our Clients Rave About Us
Check out our reviews and see why you should switch to Keisling Insurance.
“John Keisling is very knowledgeable and has given us great rates. I would recommend Keisling Insurance to all my friends. Wonderful staff and accommodating.”
“We have been working with them for years. All the guys at Kiesling Insurance are great to work with. You’re more than just a customer you are family.”
“Keisling Insurance and representative John have always went above and beyond to make sure we have the coverage we need and been there anytime we needed them. Definitely recommend.”
“The Keisling Agency and Eddie Holt have been the absolute best to work with. Highly recommend them!”
“They are very professional and prompt to handle any situation that may occur.”
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