Great West Casualty Review 2026
The Trucking Insurance Specialists Since 1956
Dedicated exclusively to trucking for nearly 70 years
Our Verdict
Great West Casualty Company has done one thing for nearly 70 years: insure trucks.[^1] This singular focus has made them arguably the most respected name in trucking insurance, with expertise that generalist insurers simply cannot match. Headquartered in South Sioux City, Nebraska, and a subsidiary of Old Republic International Corporation,[^3] Great West understands trucking from the ground up.
Pros & Cons
- Unmatched trucking industry expertise
- Exceptional claims handling and response times
- Comprehensive safety program discounts
- Strong support for small fleets and owner-operators
- May be slightly higher priced than generalist insurers
- Limited availability in some states
- Strict underwriting for high-risk commodities
Pricing Plans
Primary Liability
- $750K to $1M+ coverage
- FMCSA BMC-91 filing
- Broad form endorsements
Physical Damage
- Agreed value available
- Comprehensive and collision
- Gap coverage options
Motor Truck Cargo
- Coverage up to $250K+
- Reefer breakdown included
- Debris removal coverage
Key Features
Full Review
Coverage Options
Great West offers a complete suite of trucking coverages designed specifically for the industry:
Primary Liability Insurance: Coverage from $750,000 to $1 million or higher, meeting all FMCSA requirements.[^5][^6] Great West handles BMC-91 filings and understands the regulatory complexities facing motor carriers.
Physical Damage Coverage: Comprehensive and collision protection with agreed value options for newer equipment. Gap coverage is available for financed or leased trucks where the loan exceeds actual cash value.
Motor Truck Cargo Insurance: Robust cargo protection with higher limits available than many competitors, up to $250,000 or more for qualifying operations. Refrigeration breakdown coverage comes standard on reefer policies.
Non-Trucking Liability: Bobtail coverage for owner-operators leased to motor carriers.
Trailer Interchange: Coverage for trailers you do not own but operate under interchange agreements.
General Liability: Premises and operations coverage for trucking companies.
Occupational Accident: Protection for owner-operators and their drivers.
Claims Process
Great West's claims service is legendary in the trucking industry. They consistently win industry awards for claims handling, and for good reason. When you file a claim with Great West, you are dealing with adjusters who understand trucking, not generalists learning your business.
Key claims features include:
- 24/7 claims reporting
- Rapid response times, typically within hours
- Dedicated trucking-experienced adjusters
- Preferred repair facility network
- Fair and efficient claims resolution
In my 25 years covering this industry, Great West consistently receives the highest praise from truckers who have actually filed claims. This is where their expertise shows most clearly.
Customer Service
Great West agents and representatives speak trucking. When you call with questions about your policy, you are talking to people who understand the difference between for-hire and private carrier, who know why deadhead miles matter, and who can discuss your operation intelligently.
Policy services are efficient, with certificates of insurance and endorsements processed quickly. This responsiveness matters when brokers and shippers need documentation immediately.
The company also maintains regional offices, allowing for more localized service than some national carriers provide.
Additional Benefits
Safety Programs: Great West's commitment to safety is unmatched. They offer:
- Safety seminars and training programs
- Driver safety materials and resources
- Loss control consultations
- Premium discounts for safety program participation
The Great West Safety Library: Extensive online resources covering DOT compliance, driver training, and risk management.
Fleet Discounts: Competitive pricing structures for small fleets demonstrating safety commitment.
New Authority Support: Unlike some trucking specialists, Great West actively works with new authorities through structured programs designed to bring new operators into the industry safely.
Risk Management Consultations: Access to loss control professionals who can evaluate your operation and recommend safety improvements.
Final Verdict
Great West Casualty represents the gold standard in trucking insurance. Their nearly 70 years of exclusive trucking focus has built expertise that simply cannot be replicated by companies that also insure restaurants, retail stores, and everything else.[^1] The company holds an A+ (Superior) rating from AM Best.[^2]
Yes, you might find a slightly lower premium elsewhere. But when you have an accident at 2 AM on a rural highway, when you need your claim processed fairly and quickly, when you need an insurer who understands why your situation is different from a pizza delivery driver, Great West delivers.
For owner-operators and small fleets serious about their business, Great West Casualty should be your first call. The expertise, claims service, and industry commitment make them the clear leader in trucking insurance.
Rating: 4.5/5 - The trucking insurance standard-bearer, combining unmatched industry expertise with exceptional claims service and comprehensive coverage options.
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