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.
Our carriers
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
Why Lux
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.
Twenty-plus A-rated insurers compete for your business, and a real person answers your call — the same agent, every time. When a claim happens, we sit on your side of the table.
And we'll help you bundle smart: stack home, auto and business coverage for meaningful savings, not gimmicks.
Independent isn't a label for us — it's the whole point. Your coverage should fit your life, not a carrier's quota.
— The Lux Insurance team
Ready to find the right coverage?
Tell us a little about you. We'll come back with options — clearly explained, fairly priced.