Coverage / Cargo & Trailer Interchange
Motor Truck Cargo and Trailer Interchange Insurance
Cargo coverage protects the freight you're hauling against loss, theft, and damage in transit. Most shippers and brokers require a $100,000 cargo policy on the COI before they'll tender a load. Trailer interchange responds when you're pulling someone else's trailer under a TIA.
Where cargo & trailer interchange actually responds.
- Freight damage from collision, overturn, fire, theft, and stranded-load events
- Reefer breakdown for temperature-sensitive freight (deductible and certified-reading requirements apply)
- Loading and unloading at terminals or shipper docks
- Earned freight charges for loads you couldn't deliver
- Trailer interchange limit for trailers you pull under TIAs
If this describes you, get a quote.
Every authority hauling brokered freight. Many shipper bid packages now require $100,000 cargo with named-peril or all-risk forms; intermodal and reefer hauls often require more.
Limits, deductibles, and inclusions.
- $100,000 standard; $250,000 and higher available for high-value lanes
- Reefer breakdown sub-limit, often a percentage of cargo limit
- Trailer interchange limits from $20,000 to $100,000
- Specific exclusions for high-theft commodities like electronics, pharma, and tobacco. Call to walk through.
Primary Liability Trucking Insurance
Primary liability is the bodily-injury and property-damage coverage federal authority requires you to carry. FMCSA's $750,000 minimum for non-hazmat freight (and $1,000,000 most shippers will actually accept) starts here. We place this with A-rated markets and right-size limits to your radius, freight class, and loss history.
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Physical Damage Insurance for Trucks and Trailers
Physical damage protects your tractor, trailer, and attached equipment from collision, fire, theft, and weather. Stated values matter. If you under-insure, you are out-of-pocket on a total loss. If you over-insure, you are paying for limits you cannot collect. We quote at honest replacement values across A-rated markets.
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Commercial General Liability for Trucking Operations
General liability is what responds when something goes wrong off the truck: a yard slip-and-fall, damage to a customer's property at a terminal, a shipper certificate that needs an additional insured. It does not replace primary auto liability. It sits alongside it.
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Dump Truck and Heavy-Haul Insurance
Dump operators, lowboy haulers, and contractor fleets sit in a different underwriting bucket than over-the-road freight. Gross weight, site exposure, contractor agreements, and aggregate hauling all change the rate. We place this with markets that actually understand the operation.
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Commercial Roadside Assistance for Trucking
Commercial roadside is the difference between a $400 lockout and a $2,400 tow. Add it once and never quote a heavy-duty service call again. We bundle this onto most of our primary policies.
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Three-Day Trucking Insurance Policies
When you have bought a truck and need to move it home, or you are picking up a unit at auction and want to be insured the moment you hit the road, a three-day policy bridges the gap. Same A-rated carriers, just a tighter window.
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