Available Coverages

 

Non-Trucking Liability - (NTL)

Liability coverage for personal use of a commercial vehicle. Coverage is provided when the commercial vehicle is not furthering the business of the motor carrier and is under a permanent lease (30 days or longer lease) to an ICC regulated motor carrier. We have options of $1,000,000 combined single limit and $500,000 combined single limit available.
 

Unladen Liability - (UL)

Liability coverage for personal use of a commercial vehicle. Coverage is provided for RV haulers and flatbed risks when the commercial vehicle does not have a trailer attached and is under a permanent lease (30 days or longer lease) to an ICC regulated motor carrier. We have options of $1,000,000 combined single limit and $500,000 combined single limit available. 

 

Physical Damage – Collision, Specified Perils

Coverage for repair or replacement to an insured vehicle resulting from a covered loss based on actual cash value of the vehicle at the time of the loss. Optional deductibles are available at $1,000, $2,500, and $5,000.

Glass Coverage Included  – Coverage is extended up to $600 for any one occurrence per unit per policy term, when the glass is repaired with our preferred provider Glass America (Insured must call Insurance Program Administrators prior to glass replacement in order for this benefit to apply). In the event that the repair or replacement of glass is completed at a facility other than a Glass America or Glass America-affiliated facility, coverage shall be limited to reimbursement of $350 for any one occurrence per unit per policy term.
 

Optional Physical Damage Endorsements

Personal Effects – Coverage for personal property of the insured while in the described LOCKED tractor/trailer but exclude mysterious disappearance. $1,000 limit any one loss with a $250 deductible. COST = $5.00 per month. (Additional limits can be purchased up to $2,500 per tractor, see underwriter for cost)

Additional Equipment – Coverage for additional equipment owned by the insured relating to the described insured tractor and/or trailer. Examples of additional equipment are side kits, hoist, ramps, lifts, satellite tracking equipment. $3,000 limit with a $250 deductible. COST = $10.00 per month. (Additional limits can be purchased, see underwriter for cost)

Tarps, Chains & Binders – Coverage for owned tarps, chains, & binders up to $2,500 per vehicle with a $250 deductible. COST = $10.00 per month.

Additional Towing – Coverage only applies to the towing of the insured vehicle due to a covered physical damage loss to the nearest repair facility. In the case of a total loss, this coverage will be paid on top of the amount paid for the actual cash value of the vehicle up to a limit of $2,500. This coverage will not apply to towing of vehicle for mechanical reasons. Additional limits can be purchased in increments of $2,500 up to a max limit of $10,000 additional towing. For highly valued units over $100,000, available limits at $15,000 and $20,000.

Downtime – Coverage will indemnify the insured for loss of income while unit is out of service due to a covered physical damage loss. Coverage will be paid up to 70 days after waiting period. Coverage does not apply to mechanical breakdown. Basic limit is $100 per day ($6,000 maximum for 70 days period). COST = $13.00 per month. (Additional limits can be purchased, see underwriter for cost) Coverage cannot be combinded with Vehicle Replacement. 

Vehicle Replacement – Coverage applies when your vehicle is down due to a covered loss. Coverage will pay up to $150.00 per day for rental expenses for a maximum of 30 days. COST = $15.00 per month per truck. Coverage cannot be combinded with Downtime. 

Medical Payments – Coverage applies when you are injured as a result of a covered loss. Coverage will pay up to $5,000.00 for medical bills for the covered driver for an unlimited period. COST = $12.00 per month per driver.

Truckers' Package - BEST VALUE! - Additional Equipment Endorsement, Personal Effects Endorsement, Towing Endorsement (Limit of $2,500. This towing is in addition any limits included on the policy.), and Vehicle Replacement OR Downtime Coverage (Choose at time of loss). COST = $35.00 per month per vehicle.

 

General Liability

Coverage for the insured’s liability from bodily injury or property damage to others arising from the insured’s premises operations, products and completed operations. We offer Truckers GL 99793 and Brokers GL 61224. 

 

Cargo (Including Contingent Cargo for Freight Brokers & Forwarders)

Coverage for loss or damages to goods in transit, in the care and custody of our insured. Optional deductibles and endorsements are available.

 

Short-Term Liability & Physical Damage

Physical damage and liability coverage is written on a specified vehicle for a period of 72 hours or 30 day. This product carries a combined single limit of $60,000 (or applicable personal use statutory minimum limits) for bodily injury and physical damage to others in the event of a loss in addition to the lesser of $100,000 or ACV per covered vehicle for physical damage to your truck. A $1,000 deductible is applicable. This coverage is intended for the transport of newly purchased units in the last 14 days. 

 

Passenger Accident - Available as a Stand-Alone Policy!

Coverage is written on a specified vehicle for passengers at least 10 years of age. Hitchhikers are not considered passengers. Maximum of one (1) passenger per trip and at least ten (10) years of age. The passenger cannot also be a driver. The passenger must be reported & premium paid prior to trip. Also available for RV Haulers operating a pickup truck only.  COST = $175 per driver.

  • Accidental Death & Dismemberment: $100,000
  • Accidental Medical Expense
  • Accident Dental Expense
  • Chiropractic, Occupational & Physical Therapy
  • Paralysis & Severe Burn

 

Occupational Accident

Protects an owner operator from losses resulting from job related injuries or death. Coverage for owner operators, contract drivers and employee drivers who are not required by law in their state to carry Workers Compensation and are between the ages of 21 and 70 years old. Optional benefit levels are available: $1,000,000, $500,000, and $300,000. 

    • Accidental Death & Dismemberment: Available Limits of $150,000 & $250,000.
    • Temporary Total Disability
    • Continuous Total Disability
    • Accidental Medical Expense
    • Accident Dental Expense
    • No Exclusion or Sub-Limit on Pre-Existing Conditions

Non-Occupational Accident Benefits Included in Every Plan.

    • Accidental Death & Dismemberment: $15,000
    • Accidental Medical Expense
    • Accidental Dental Expense
    • Hernia, Hemorrhoid, Occupational Disease, & Cumulative Trauma

 

National Drivers Association Available as a Stand-Alone Policy!

NDA Basic Membership - Included in every policy we write!  COST = $2 per month per vehicle.

    • Prescription Discounts
    • Chiropractic Referral Program
    • EyeBenefits Contact Lens & Lasik Surgery Discounts
    • EyeBenefits Vision Network
    • Legal Assistance Program

NDA Roadside Plus Membership COST = $30 per month per vehicle. 

    • NDA Basic Benefits
    • $25,000 Accidental Death & Dismemberment  
    • TCS Fuel Card Access
    • Roadside Assistance (Fuel Delivery, Tire Service,  Battery Service,  Lockout Service, & Towing Service)