Insurance

Motor Truck Cargo Coverage

• Purchase up to $250,000 in Coverage
  – $25,000 Debris Removal / Pollution Cleanup

General Liability

• Liability protection for injury or property damage that occur while on the job but not behind the wheel.
• $1,000,000 per occurrence/$1,000,000 general aggregates
• $1,000,000 per occurrence/$2,000,000 general aggregates

Primary Liability

• Limits up to $2 million
• Protect against damages or injuries caused to others in an accident where the insured driver is at fault.

Physical Damage

• Unlimited Tow
• Combined Single Deductible
• Pay Actual Cash Value or Amount Owed on Loan

Hotshot Guidelines

•  Targeting 1-25 Power Units
• CDL or Non-CDL Setups
• Accepted Trailers
  – Gooseneck Trailers, Dovetail Trailers, Deckover Trailers, Lowboy Trailers.
• Risk can be written as a package or on a standalone basis
• $7,500 Towing & Storage Limit (with options up to $25,000)

Heavy Truck Roadside Assistance

• Cover the cost of help at the site of disablement.
• Towing 24/7 365 days a year to nearest qualified repair facility
• Mechanical, electrical, battery failure, flat tire, entrapment in snow, mud, sand within 100 feet of road or highway
• Attached trailers included

Rental with Downtime Coverage

• Keep business moving during a claim
• Coverage provides reimbursement for a maximum of 30 days
• Replacement vehicle cannot be located, payout will be the lesser of the actual loss of business income or the insured vehicle’s daily maximum during downtime

Hazardous Material Coverage

•  Compliance with federal and state regulations
• The coverage also extends to cleanup costs and environmental liability
• Financial protection in the event of an accidental spill or contamination

Non-Trucking Liability

•  Coverage for while under a permanent lease for personal use

Small Fleet policy

•  Tailored to meet the unique needs of small fleets.
• Risk Management Support

Motor Truck Cargo Refrigeration Breakdown Coverage

• Endorsement to truck cargo
• Sudden and accidental breakdown of refrigeration or heating units
• Additional Coverage – Temporary Storage
• Refrigeration unit has been properly maintained by qualified technician

Trailer Only Physical Damage Coverage

• Provides coverage for loss or damage to trailer

Non-Owned Trailer Physical Damage Coverage

•  Provides coverage for loss or damage to trailer

Trailer Interchange Coverage

• Covers physical damage to any non-owned trailer while in the care, custody or control of the insured
   – A tractor or pickup with a fifth-wheel (hotshotter) must be on the policy  to be able to write this coverage.

Multi-state policies

• Multiple state garaging addresses are acceptable
• Provide a vehicle list, driver list and each requested policy state.

Pet Injury/Death Coverage

• Pay first party claim up to $1,000 for veterinary fees incurred because of injuries sustained by a dog or cat while riding in an insured vehicle.
• Pays $1000 if the dog or cat dies as a result of covered loss
• No deductible apples to this coverage

Workers’ Compensation Insurance

• Most employers are required to carry workers’ compensation insurance.
• Medical Benefits: Coverage for medical expenses related to the injury.
• Wage Replacement: This is usually a percentage of their average weekly wage.
• Disability Benefits: Compensation for temporary or permanent.
• Death Benefits: Financial support for the dependents of a worker who dies as a result of a work-related injury or illness.
• Vocational Rehabilitation: Services to help injured workers return to work.