About
About Truck Guard Insurance
Truck Guard Insurance is the trucking specialty brand of Wexford Insurance, a Greenwood, Indiana agency placing FMCSA-regulated motor carrier coverage for owner-operators and small fleets across 48 U.S. states. The agency is founder-led, credentialed, and answers the phone.
Nate Jones, CPCU · Founder
Nate Jones is a Chartered Property Casualty Underwriter (CPCU) and the founder of Wexford Insurance, LLC, the parent agency behind Truck Guard Insurance. The CPCU designation is the senior technical credential in property and casualty insurance, requiring eight rigorous exams across underwriting, risk management, insurance law, and finance. The credential matters on motor carrier accounts because the coverage stack is dense with federal regulation, broker-contract requirements, and policy-form mechanics that reward technical depth.
Truck Guard Insurance is the trucking specialty brand within the Wexford family. The brand exists because motor carrier insurance is its own discipline: BMC-91 and BMC-91X filings, the MCS-90 endorsement, primary vs non-trucking liability, motor truck cargo and trailer-interchange interplay, CSA-score-driven renewal pricing, and the broker-contract compliance layer that sits on top of all of it. A generic commercial broker can place the policy; placing it well takes a specialty brand.
Through Wexford, Nate Jones places coverage across 48 U.S. states through a 16-carrier specialty trucking panel. The panel is reviewed quarterly and updated when appetite shifts — the Truck Guard Insurance homepage lists the active markets quoting today.
Connect via LinkedIn, email info@truckguardinsurance.com, or call 317-942-0549.
Kami Jones — Co-Founder
Kami Jones is co-founder of Wexford Insurance, the parent agency behind Truck Guard Insurance. She is responsible for operations, carrier-appointment management, and the agency-side workflow that keeps certificate requests, filings, and renewal cycles moving on schedule.
The two-founder structure was deliberate: one technical lead on the placement and underwriting side, one operations lead on the agency-management side. Motor carrier accounts move fast — a broker certificate that needs to clear before the load dispatches at 4 a.m. does not wait for an open ticket queue — and the operations discipline behind the technical work is what makes the placement actually deliver.
The Wexford parent agency
Truck Guard Insurance is one specialty brand within Wexford Insurance, LLC. The parent agency is licensed as a property and casualty insurance producer in 48 U.S. states (every state except HI and AK), operating under NPN 19887690. Verify the agency license on NIPR.com.
The Wexford Insurance office is at 107 N State Road 135, STE 304, Greenwood, IN 46142. The Truck Guard Insurance team works from the same location and shares the carrier-appointment infrastructure, certificate-issuance system, and accounting back office that Wexford maintains for the broader specialty-brand family.
Operating motor carrier insurance as a specialty brand of a multi-vertical agency is a deliberate structure. It lets the trucking team focus narrowly on motor carrier coverage, while the Wexford Insurance parent handles licensing, compliance, and the shared agency operations that every specialty brand needs.
Why a trucking specialty agency — not a generic broker
The fears that keep an owner-operator awake are specific to motor carrier operation. A catastrophic at-fault accident wiping out the business. FMCSA authority being revoked after a compliance event. An MCS-90 endorsement getting triggered by a pollution event and becoming a debt the carrier seeks to recover. These are not generic small-business risks; they are motor-carrier-specific failure modes that depend on understanding federal financial responsibility regulation, the difference between dispatch and off-dispatch operation, and the precise mechanics of the policy forms attached to the auto liability policy.
A generic commercial broker can quote the policy. The questions that follow — what limit does my best broker contract actually require, does my BMC-91X cover the layered excess I am about to bind, what happens to my renewal if a roadside inspection puts a violation on my CSA scoreboard — those are the conversations that decide whether the policy you bound is the policy you needed. A specialty agency answers them by default; a generic broker often does not see them coming.
Truck Guard Insurance writes motor carrier auto liability, motor truck cargo, physical damage, trailer interchange, non-trucking (bobtail) liability, general liability, workers compensation, and pollution liability for owner-operators and small fleets running trucking operations across 48 states. The coverage stack is what we do every working day.
Wexford brand family disclosure
Truck Guard Insurance is one of several specialty brands within Wexford Insurance, LLC. The most directly adjacent sibling brand is Gas Station Guard Insurance, which serves petroleum retailers (fueling operations, convenience-store fueling, and related commercial-fleet adjacency). The two brands share carrier appointments where commercial-fleet underwriting appetite overlaps and otherwise operate independently with dedicated specialty teams.
The brand-family structure is disclosed because it answers a fair question motor carriers sometimes ask: how does a specialty trucking agency cover its overhead writing only one class of business. The answer is that Wexford Insurance operates several specialty brands, sharing licensing, agency-management infrastructure, and back-office operations across them while keeping each specialty team focused narrowly on its own class.
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Send the basics on your authority, equipment, commodity, and lane mix. We pull the panel of specialty trucking markets quoting your class today and walk you through limit selection and broker compliance before you bind.