Insurance built around you, not the carrier.
We shop dozens of A-rated carriers so you don't have to. Whether it's your rig, your home, or your business — Lux Insurance finds coverage that fits.
- Multi-carrier comparison
- No-pressure consultation
- Bundle savings up to 25%
- Local agents, real phones
We've got you covered, end to end.
From a single power unit to a multi-location business, we tailor coverage to your operation — not the other way around.
Trucking
Power units, cargo, liability — built for owner-operators and fleets.
Commercial Auto
Vans, fleets, contractors. Keep your business on the road.
Business
General liability, property, workers' comp tailored to your industry.
Personal Vehicle
Auto coverage with discounts that actually move the needle.
Homeowners & Renters
Protect what you've built — at home or on the move.
Backed by the industry's best.
Trucking Insurance, dialed in.
Protect your truck and any cargo on board. Selecting the right coverage matters — we work with carriers that know transportation inside and out, from local hauls to long-haul interstate.
- Primary liability
- Physical damage
- Motor truck cargo
- Non-trucking liability
- Bobtail coverage
- Trailer interchange
Commercial Auto, built for the job.
Vans, contractors, and small fleets — coverage that keeps your business moving without surprise gaps when claims happen.
- Fleet discounts
- Hired & non-owned
- Liability up to $2M
- Rental reimbursement
- 24/7 claims
- Contractor add-ons
Business Insurance, end to end.
General liability, property, BOP, workers' comp and umbrella — tailored to your industry, your size, and the risks you actually face.
- General liability
- Property & BOP
- Workers' comp
- Cyber liability
- Umbrella & excess
- Industry-specific
Personal Vehicle, smarter coverage.
Auto coverage with meaningful discounts for safe drivers, multi-vehicle households and bundled policies — not gimmicks.
- Multi-car discount
- Accident forgiveness
- Roadside assistance
- Rental reimbursement
- New car replacement
- Gap coverage
Homeowners & Renters, fully covered.
Protect your home, possessions and liability — whether you own, rent, or anything in between. Optional flood and umbrella stack neatly on top.
- Dwelling & contents
- Liability protection
- Loss of use
- Optional flood
- Jewelry & valuables
- Bundle savings
Independent means in your corner.
We're not tied to a single carrier. We're tied to you. That means we compare options across the market and recommend what actually fits your situation — not what's easiest to sell.
Ready to find the right coverage?
Tell us a little about you. We'll come back with options — clearly explained, fairly priced.