Northwood Insurance Agency, Inc – Northborough, MA

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Let Northwood Insurance Agency, Inc assist you in selecting insurance for yourself, your residence, your vehicle, or your company, enabling you to concentrate on what is most important to you. By collaborating with a range of providers, we can offer you suitable insurance options tailored to your specific requirements and financial capabilities, helping you devise a comprehensive strategy.

Our friendly and experienced agents are here to answer your questions and assist you with requesting a quote, whether you need help with choosing insurance, which can be complicated and confusing, or have questions about filing a claim. There are no questions that are too small or too big for us to help with.

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We are proud to have over 30 five-star reviews from clients who have recommended us to continue seeing them for the past five years.

Coverage for When You’re Traveling or Near Your Residence.

Commercial Freight Insurance.

Risk Factor………

Depending on various factors, the insurance needs for owner-operators who operate under their own authority or lease a motor carrier can vary. The type of insurance required for private trucking carriers, whether they are hauling goods in their own trucks or working for an employer, will depend on the specific needs of the carriers and can be determined by a number of different factors.


It is crucial to have the right insurance for the given situation. For instance, an owner-operator who is leasing permanently from a motor carrier may have primary liability insurance provided by the carrier. However, there are other coverages that they may want to consider. Additionally, the type of truck driver and the goods being hauled can also affect their coverage needs and experience.

Garage owners and On-Hook.

Risk Factor………

The pulled automobile requires specific insurance in any circumstance. It is not uncommon for a hauled vehicle to be kept overnight at the towing company’s garage. The vehicle being towed could sustain damage if the towing truck is engaged in a collision. Towing trucks bear a distinct liability when it comes to the belongings of another individual.


On-hook insurance offers coverage in the event of any damages to a vehicle while it is being towed. Garagekeepers insurance, on the other hand, would provide compensation for any losses incurred when a vehicle is temporarily stored at the towing company’s premises.

Bobtail Insurance.

Risk Factor………

Sometimes, a truck is driven without a trailer attached. The driver may include loading and unloading loads in between, and they are currently on their way to pick up a load. If the truck is involved in an accident and the driver is found liable for property damage or bodily injury, there may be gap coverage available. This coverage applies when the truck is being driven under someone else’s authority.


Bobtail insurance is a liability policy that provides coverage for medical expenses, awarded damages, and legal fees in cases where a truck is driven by someone other than the authorized trucking authority, and no attached trailer is present.

Non-trucking liability.

Risk Factor………

If the truck is involved in an accident and causes damages while being driven for non-business purposes, the carrier motor is typically liable for the damages. However, if the truck is used for business purposes, the carrier motor offers protection under their liability coverage, and the leased permanent trucks are typically covered under it.


Non-trucking liability. insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.

Trailer Interchange.

Risk Factor………

Both parties in this agreement would require trailer interchange insurance. This agreement, referred to as a trailer interchange agreement, facilitates the transfer. On certain occasions, a different trucker may have to transfer a trailer to another trucker to complete the shipment.


The driver currently in ownership of it would be accountable for them if a trailer is harmed. Coverage for these damages during the duration that the policyholder has the trailer is provided by trailer interchange insurance.

Downtime with Rental Reimbursement.

Risk Factor………

Money will be forfeited when the truck cannot be utilized for maintenance away from the road that has been impaired in a collision. The truck will require transportation.


While the truck is inoperable due to a loss, it may cover other bills and payments, as well as provide reimbursement for the cost of truck downtime. Additionally, it may also offer reimbursement for a temporary replacement truck.

General Liability for Motor Trucks.

Risk Factor………

All of these actions can result in significant expenses, as they may lead to property or goods damage, or even customer injuries. Motor carriers and owner-operators have the responsibility to take accountability for their own mistakes under their respective authorities.


General motor truck insurance may provide coverage for bodily injury and property damage caused by your company, as well as damages and injuries to others resulting from advertising or personal injury.

Insurance for Cargo Transported by Motor Trucks.

Risk Factor………

Truckers are often hired to haul goods for someone or something. During the unloading and loading process, the goods can be damaged or spilled off the truck, resulting in associated expenses. Whether the goods are damaged in a collision or due to the truck being damaged, the trucker is responsible for any damage to the goods while they are in their possession.


If the freight and legal fees for the cargo are not paid, the cargo will not be delivered. In the event that the cargo is lost or spilled, the expenses for its removal will be covered. Insurance for the cargo may also cover the cost of any damages to the cargo. This type of insurance is sometimes referred to as cargo insurance or motor truck cargo insurance.

Physical Damage.

Risk Factor………

The repairs would be the responsibility of the truck’s owner. The repairs would also be accountable for any damages incurred from alternative sources, such as objects falling on it, vandalism, fire, or theft. In addition, if a truck is involved in an accident and the other driver is not deemed liable for these damages, the truck’s owner would still bear the responsibility.


Alongside the financial institution, this insurance may be necessary if the truck is being leased or financed. This insurance might be discretionary for vehicles that are fully owned. In the event of damage caused by factors beyond your control or by your own actions, comprehensive insurance covers the expenses for repairing your vehicle.

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