Trucking & commercial vehicles
The vehicle is only part of the trucking exposure.
Authority, radius, commodities, equipment, drivers and contracts all affect the available insurance program.
Build an accurate submission
Be ready to describe operating authority, vehicle schedules, driver experience, commodities, radius, annual mileage, garaging, contracts and loss history. Motor carrier filings and contractual requirements may affect timing.
Coverage may include
Depending on the operation, a program may involve auto liability, physical damage, motor truck cargo, general liability, non-trucking liability, trailer interchange and umbrella or excess coverage. Policy terms and eligibility control.
Filings and contracts affect timing
Interstate or regulated operations may require filings before authority becomes active. Do not cancel existing coverage until the new carrier and required filings are confirmed. Contracts can also impose cargo, trailer interchange, additional insured or waiver requirements.
Cargo is not one uniform exposure
Commodity, maximum value, refrigeration, theft attractiveness, loading responsibility, unattended-vehicle practices and terminal locations affect cargo underwriting. Read exclusions for specific commodities, dishonest acts, delay, temperature change and unattended vehicles.
Driver and maintenance controls
Document hiring standards, motor vehicle record review, drug and alcohol compliance where applicable, hours-of-service procedures, preventive maintenance and accident response. Strong controls help explain the operation to underwriters.
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