Trucking and transportation
Motor carrier and transportation coverage.
A sub-line of the property and casualty division rather than the front door. If transportation is your whole business, tell us on the first call and we will be straight with you about whether we are the right shop for it.
Coverage
The lines an authority actually needs.
- 01
Commercial auto liability
Primary liability on power units, tractors, straight trucks, and box trucks, with the filing that sits behind it.
Which means your authority stays active, because that filing is what keeps you legal to run.
- 02
Motor truck cargo
Covers the freight you are hauling against damage, theft, and loss in transit.
Which means a load lost in transit is a claim rather than a bill you pay out of settlement.
- 03
Physical damage on tractors and trailers
Comprehensive and collision on your own equipment, with deductibles set against how the operation actually runs.
Which means the unit that was earning on Friday is earning again, instead of sitting while you find the money.
- 04
General liability
Premises liability for the yard, the terminal, and the office.
Which means those locations are covered, and shippers and brokers get the certificate they will not load without.
- 05
Non-trucking liability
Covers an owner operator when the truck is off dispatch and being used personally.
Which means a driver off dispatch is not running uninsured on a technicality.
- 06
Trailer interchange
Covers trailers in your care under a written interchange agreement.
Which means somebody else's trailer in your yard is not your personal exposure.
Compliance
The files behind the policy.
Driver qualification files, drug and alcohol program records, and hours of service documentation are audited by the agency that issued your authority, not by your insurer. They also decide what you pay, because a carrier's safety record is priced directly into the premium.
Bindly Compliance handles that side, and the two work off one account.
Already insured? Send your declarations pages and loss runs.
The same five business day written read applies to a transportation program. Send what you have and we will tell you what it shows.