Freight & Trucking
Commercial auto, motor truck cargo, trailer interchange, owner-operator structures, FMCSA compliance. Coverage built around your fleet, your drivers, and your routes.
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Coverage types built around the risks your business actually faces.
Commercial Auto / Trucking Liability
Bodily injury and property damage liability for your fleet, required by FMCSA for interstate carriers. Covers accidents involving your trucks regardless of fault determination. Includes hired and non-owned auto for brokered loads.
Nuclear verdicts in trucking now regularly exceed $10M. A single serious accident with inadequate limits can bankrupt a carrier. Your liability limits need to reflect your cargo type, route profile, and the current litigation environment, not just the FMCSA minimum.
Motor Truck Cargo
Coverage for freight in your possession during transit: loading, hauling, and unloading. Includes commodity-specific endorsements for refrigerated, hazmat, high-value, and oversized loads.
Your shipper contracts specify cargo liability limits. If you're hauling $500K in electronics with a $100K cargo limit, the gap is your personal exposure. Cargo limits should match your highest-value load, not your average haul.
Physical Damage
Collision, comprehensive, and specified perils coverage for your tractors and trailers. Includes towing and storage, rental reimbursement during repairs, and diminished value protection.
A new Class 8 tractor costs $180K+. A total loss without adequate physical damage coverage means financing a replacement while still paying off the original. Fleet scheduling with accurate valuations prevents coinsurance gaps.
Trailer Interchange
Coverage for non-owned trailers in your possession under interchange agreements. Protects against physical damage to trailers you pull but don't own, a gap that standard auto policies don't cover.
If you damage an interchanged trailer, the trailer owner's insurance won't cover it, and your commercial auto policy excludes non-owned trailers. Trailer interchange fills this gap, and most intermodal and drayage operations can't function without it.
Non-Trucking Liability
Bobtail coverage for tractors when they're not under dispatch: driving to and from home, personal use, deadheading. Covers liability gaps between dispatch periods.
Your commercial auto policy covers the truck under dispatch. When the driver is off-duty or deadheading, there's a liability gap. Non-trucking liability (bobtail) fills it, and is required by most lease agreements with owner-operators.
Occupational Accident / Workers' Comp
Workers' compensation for W-2 drivers. Occupational accident coverage for 1099 owner-operators and independent contractors. Covers medical expenses, disability, and accidental death.
Fleets with mixed driver classifications (W-2 employees and 1099 owner-operators) need both programs. Occupational accident is not workers' comp; it's an accident policy, but it satisfies most lease agreement requirements and protects against misclassification exposure.
General Liability
Premises liability for your terminal, yard, maintenance shop, and office. Covers injuries to visitors, vendors, and non-employee drivers on your property.
Yard accidents (trailer jockeying, fueling, tire changes) create premises liability separate from your auto coverage. If a visiting driver is injured at your dock, your GL responds, not your commercial auto.
Freight Broker E&O / Contingent Cargo
Errors and omissions coverage for negligent carrier selection, and contingent cargo coverage for when the carrier you brokered doesn't have adequate insurance to cover a loss.
If you broker loads and the carrier you selected has a cargo claim that exceeds their limits, or worse, their policy was cancelled, the shipper comes after you. Broker E&O and contingent cargo are the only forms that respond to this exposure.
These aren't hypotheticals. They're the claims scenarios we see. Here's how coverage actually responds.
Your driver rear-ends a passenger vehicle at highway speed, causing a chain reaction involving four vehicles. Three people are hospitalized with serious injuries. The plaintiff's attorney files suit for $15M.
How coverage responds: Commercial Auto Liability covers bodily injury and property damage defense costs and settlement. But if your policy limit is $1M (the FMCSA minimum for non-hazmat), you're exposed for $14M. We structure primary and excess auto liability to protect against nuclear verdict exposure.
A temperature-controlled trailer's refrigeration unit malfunctions 6 hours into a 14-hour haul. The pharmaceutical cargo requires continuous cold chain. The entire load is condemned.
How coverage responds: Motor Truck Cargo with temperature variance endorsement covers the full declared value. Without the endorsement, temperature-related losses are excluded from standard cargo forms. The shipper's contract holds you liable regardless.
A 1099 owner-operator leased to your fleet is injured in a loading dock accident. They file for workers' compensation claiming they should have been classified as a W-2 employee. The state labor board opens an investigation.
How coverage responds: Occupational Accident coverage handles the medical and disability claims immediately. If misclassification is found, your workers' comp policy responds retroactively, but only if your policy includes a voluntary comp endorsement. We structure programs that protect against both outcomes.
Your Cargo Policy Doesn't Cover What You Think It Does
A trucking program can look solid until the claim hits. Trailer interchange, owner-operator liability, and filing-related gaps are common points of failure. We'll review your fleet program against the way you actually operate and show you where coverage may break down.