Category Archives: General

Truck Insurance

How Can You Get an Affordable Truck Insurance in 2021?

Truck Insurance

Truck Insurance – Tips

These are some tips that can help you get the best value for your Truck Insurance. At Cal Insurance, we can help you explore all the options and alternatives available for your trucking business. 

We work with the best business insurance companies in New York, New Jersey, Connecticut, Pennsylvania, and Massachusetts.

1.- Adjust your coverages 

Of course, more coverage means more protection, but this is not always possible, mainly because it may be out of your budget. On the other hand, less coverage means less protection. But If you are okay with this, then it may be a good option for you.

2.- Raise your deductibles 

Another way of saving money on your insurance is raising your deductible. But keep in mind that you will have to pay more out of pocket in the event of a claim.

3.- Monthly payments 

Some companies, like Progressive, offer very significant discounts to customers who pay in full. But each insurance company has unique billing options, so make sure to ask which ones you qualify for when getting your truck quote. We are a Progressive Trucking Agent in the Northeast and the Mid-Atlantic States. If you have any questions, please contact us, and we will help you choose the best option.

4.- Ask about discounts 

Insurance companies offer many discounts.  These are some of the ones that Progressive provides that we like.

  • CDL discount – You’ll receive a discount just for having a valid commercial driver’s license for at least two years.
  • Business experience discount – You’re eligible for this discount if you’ve been in business for three years or more.
  • Paid-in-full discount – Most customers can save up to 15% if they pay their policy in full**. That’s a $1,500 savings on a $10,000 policy!

Let us help you. Our authorized sales agents will help you get the best quotation to suit your needs.

We are one of the fastest-growing insurance brokers in the East Coast area, with access to the best companies offering the most competitive pricing and the best coverage.

Contact us at or  203-900-3353 ASAP, and we will guide you on how to get a better offer for your insurance!

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Personal Auto Insurance: Learn All About It!

Personal auto insurance is a contract between the insurance company and the insured or policyholder. The insurance contract has mandatory clauses and some optional coverages. 

Auto insurance premiums are based on various data, such as driving history, location, and credit history. Policyholders must work diligently to become safe drivers, avoid high-risk areas and build a good credit score.

What you should do

Research which coverages are mandatory in your state and which are voluntary in the coverage areas of:
liability, uninsured/underinsured motorist, comprehensive, collision, medical payments, and personal injury protection.

Furthermore, evaluate the costs versus the risks the policyholder is willing to undertake. Also, acknowledge that complete elimination of risk may be too expensive to obtain.

Each state requires by law some insurance with its respective protection limits. The insurance industry recommends that the minimum protection for medical expenses should be $ 100,000 per person and $ 300,000 per accident.

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Home Insurance: What You Need To Know

Did you just make the most important investment of your life? Did you buy a house or an apartment?

Congratulations! Owning a property is probably the best investment you will ever make because it will be valued over time. However, you will definitely want to protect it in case of theft, fire, or any other catastrophe.

We are an independent agency that works to provide the best options for you. We do not represent any insurance company. At CALIS, we work with the best insurance companies to give you the best coverage.

What does Home Insurance Cover?

Home insurance protects you against theft, fire, hurricanes, and winds that may damage your property. In that case, the insurance will rebuild your property and, while this is happening, the insurance will cover the cost of hotel accommodation.

Your home insurance policy also covers theft or damage to your furniture, clothing, and electronic equipment inside your property.

By obtaining a home insurance policy, you will also be protecting yourself from potential liability claims.

  • Visit our website for more information, we will be happy to assist you and offer you the option that best suits your needs!
  • We are licensed in 9 Northeastern, Mid-Atlantic, and some Southern States. Please feel free to call, email, or chat with us on our website at

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Personal Lines Insurance: Home, Renters and Car

Personal Lines Insurance at CALICS.

We offer the best prices and the best coverage in our personal line. We provide home insurance, renters insurance, and auto insurance.

Home insurance 

No one is free to suffer a loss due to ravages of nature or theft. The most important purchase is undoubtedly our house, our property. If your property is affected and you lose it, it would be a very strong blow. We work with the best insurance companies to offer you the best coverage that suits your needs.

Renters Insurance 

If you don’t own the apartment or house where you live, don’t worry, we have the best coverage for you as well. Our renters’ insurance covers the damages that your belongings could suffer in the event of theft, fire, or any other accident. Renters insurance also covers civil liability and loss of use.

Car insurance 

We offer you the best insurance to protect your car. In the event of theft, accident, or damage to third parties, we have the very best coverage, since we work with the leading insurance companies.

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Non Trucking Liability and Similar Coverages

Non Trucking Liability (NTL) coverage can be a very effective tool to plug a coverage gap for truckers who lease with another motor carrier.

Next, we will explain what NTL is and compare it with other similar truck coverages offered by different insurance companies.

Non trucking liability coverage is for a customer on a permanent lease basis to a motor carrier who provides primary liability coverage. Progressive offers NTL to provide liability coverage for the listed vehicle for non-business, personal use. Complete the NTL Checklist to see if your customer is eligible for NTL coverage.

Bobtail coverage typically provides coverage only when the power unit is operated without an attached trailer, whether under dispatch or not. A trucker may be bobtailing but still operating for the benefit of the motor carrier. Such as when they are returning from delivering a load without a trailer. So, NonTrucking (NTL) is not a substitute for bobtail coverage.

Deadhead coverage explicitly provides coverage only when the power unit is operated with an empty trailer, whether under dispatch or not. As in the previous case, when the trucker is returning home from delivery with an empty trailer (“deadheading”), he can still be construed to be operating for the benefit of the motor carrier. Therefore, the NTL would not be a substitute for Deadhead coverage.

Unladen coverage provides coverage only when the power unit is operated either without an attached trailer or when the trailer is empty, whether under dispatch or not. Same as previous examples, if the trucker is operating on behalf of the motor carrier, the NTL is not a substitute for Unladen coverage.

The Right Way to write NTL

  • First, ask to read the trucker’s lease agreement (and retain a copy!) If they don’t have a lease agreement because they are not under a long-term lease, do not write NTL.
  • If the lease agreement specifically requires the trucker to obtain Bobtail, Deadhead, or Unladen coverage, do not sell NTL. They need coverage from an insurer that offers those products.
  • Suppose the lease agreement says the motor carrier (lessee) provides primary liability to the trucker (lessor) while the trucker is operating for the benefit of the motor carrier, or while it is under dispatch, or doesn’t mention a limitation on the primary coverage provided. In that case, NTL is likely the right choice.
  • Our NTL checklist will help you determine whether NTL is appropriate for your customer.

As you know, understanding NTL and other Commercial Auto coverage are key to successfully support your customers and grow your commercial book. And we’re always happy to help!

If you have any questions, please do not hesitate to contact us at 203-900-3353 or for further information!

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