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Primary Liability

Cargo Insurance

Physical Damage

Occupational Accident

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Primary Liability

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Cargo Insurance

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Physical Damage

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Occupational Accident

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General Liability

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Non-Trucking Liability

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Worker's Compensation

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Other Coverages

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About TrucksLink

We’re a family-run trucking insurance agency in Lemont, IL. Built by people who get the trucking life. We specialize in commercial coverage for owner-operators, small fleets, and growing carriers. No corporate runaround, no jargon – just fast, reliable protection from folks who actually pick up the phone and guide you through it.

Aggie

Aggie

I’ve been rolling with the insurance industry for over 8 years, and since 2020, trucking insurance has been my lane. I love helping drivers and business owners navigate the road ahead with confidence. When I’m not working, I’m chasing after my two wild boys or chasing sunsets on a bike trail—either way, I’m always up for a good adventure.

Lukas

I’m a newly licensed insurance agent who got hooked after getting curious about what really goes on behind the scenes. Now, I’m all about helping people make sense of their coverage without the boring jargon. When I’m off the clock, you’ll probably find me on the golf course or casting a line at the lake, soaking up the quiet.

Lukas-new
MAIRONIS

Raimonda

I’ve been in the insurance game since 2014, licensed in life, health, property, and casualty. When I’m not helping clients protect what matters most, you’ll find me on the table tennis court or playing pickleball—I love a good competition and never shy away from a challenge.

Oksana

I found my way into trucking insurance a few years ago and quickly realized how much I enjoy helping people stay covered and confident. At Truckslink, I’m part of the processing team, making sure everything’s accurate and on time. Outside work, you’ll usually find me planning trips, hitting CrossFit, or exploring new places to eat—always up for adventure!

Oksana

Primary Liability

Two of the main coverages that constitute Liability Insurance are, Bodily Injury and Property Damage insurance.

These coverages pay for another party’s injuries and repairs after an at-fault accident.

Bodily Injury coverage could include medical expenses, rehabilitation, and lost earnings.

Property Damage insurance policies cover damages to someone’s vehicle, residence, or other properties.

Generally, both Bodily Injury and Property Damage insurance are legally required.

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Cargo

Motor Truck Cargo Insurance offers protection for freight or commodities transported by a for-hire trucker in the event the cargo is damaged.

This could include damage caused by fire, collision, striking, spoilage, etc.

In addition to covering the value of lost or damaged cargo, certain policies may also include coverage for the costs associated with debris removal and pollution cleanup if a load is accidentally discharged onto a roadway or waterway..

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Physical Damage

Physical damage insurance provides protection against loss or damages to your covered vehicle in the event of an accident with another vehicle or object.

Physical damage insurance is important for motor carriers and owner operators to carry and in many instances required based on if there is a lien holder.

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Occupation Accident

Occupational accident insurance coverage provides benefits to truck drivers and owner operators that are injured or killed in job-related accidents.

If you’re a driver or owner operator and get injured on the job, Occupational Accident coverage will pay medical expenses and downtime while the injured is recovering.

In case of accidental death while on the job, Occupational Accident coverage will pay a generous amount to the beneficiary to help with lost income.

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General Liability

A growing number of risk managers require for-hire truckers to have Trucking General Liability Insurance.

It pays for injuries or property damage you cause as a result of business activities NOT directly related to operating your truck.

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Non-Trucking Liability

Non-trucking liability insurance provides coverage when a commercial truck is used for personal activities unrelated to business operations, such as running errands, visiting the bank, or attending a child’s event.

Since you are not driving for business purposes, there is no coverage under your Motor Carrier’s liability or business auto policy.

NTL is in most cases, required by the motor carrier with whom the owner/operator has signed a lease agreement.

This insurance fills a potential gap for non-business use of the equipment, and helps to protect the motor carriers’ primary liability policy.

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Workers Compensation

Illinois law requires employers to provide workers’ compensation insurance for almost everyone who is hired, injured, or whose employment is localized in Illinois.

Sole proprietors, business partners, corporate officers, and members of limited liability companies may exempt themselves.

Overall, it is estimated that 91% of Illinois employees are covered under the Act.

An employer that knowingly and willfully fails to obtain insurance may be fined up to $500 for every day of noncompliance, with a minimum fine of $10,000. Corporate officers can be held personally liable if the company fails to pay the penalty.

Since 2006, the Commission has collected over $7 million in fines.

This provides workers the proper legal protection and other employers a more fair competitive arena.

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