Coverages
Every policy answers a different risk. Here is what each one does, who needs it and what drives its price, without unnecessary jargon.
Straight answers on what each policy actually protects.
CAL 01/10
Commercial Auto Liability
Primary required coverage The primary insurance required for most motor carriers. It responds when your driver is legally responsible for bodily injury or property damage to another party. Who needs it Owner-operators, private carriers, for-hire carriers and fleets View details PD 02/10Physical Damage
Damage to your own unit Covers direct physical loss to your own truck: collision, theft, vandalism, fire and weather-related damage. Who needs it Financed trucks, leased equipment and owners protecting valuable assets View details MTC 03/10Motor Truck Cargo
Freight protection Covers cargo while in transit against theft, collision, overturn, fire and other covered causes. Who needs it Any carrier hauling customer cargo View details GL 04/10General Liability
Beyond the truck Responds to third-party bodily injury and property damage arising outside of vehicle operation. Who needs it Carriers with offices, warehouses or customer interactions View details TI 05/10Trailer Interchange
Non-owned trailers Covers physical damage to non-owned trailers while under your responsibility through an interchange agreement. Who needs it Motor carriers using interchange agreements View details OCC 06/10Occupational Accident
For independent contractors Covers medical expenses, accidental death, disability and rehabilitation benefits after a work-related accident. Who needs it Independent owner-operators View details BOB 07/10Bobtail Insurance
Driving without a trailer Liability coverage while operating the tractor without a trailer for work-related purposes. Who needs it Owner-operators under contract with a motor carrier View details NTL 08/10Non-Trucking Liability
Personal use Protects personal use of a commercial truck outside of business operations. Who needs it Drivers using the unit outside business operations View details UMB 09/10Umbrella / Excess Liability
Higher limits Extends liability limits above your underlying policies to protect against catastrophic claims. Who needs it Fleets and carriers with contracts requiring higher limits View details WC 10/10Workers' Compensation
Employee benefits Provides medical treatment, lost wages and rehabilitation for work-related injuries where required. Who needs it Companies with drivers or staff on payroll View details Next exit EXIT NOW
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