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Non-Trucking Liability

Non-Trucking Liability provides coverage to protect permanently leased owner operators, commonly referred to as Independent Contractors, against liability claims that occur when operating the vehicle for personal or non-business use. Coverage is provided when the commercial vehicle is not furthering the business of the motor carrier. The return trip is considered within the dispatch loop.

Unladen Liability

Unladen Liability provides coverage for RV haulers and flatbed risks while bobtailing or operating a pick-up truck or tractor that is not hauling cargo, or “unladen,” regardless of dispatch status. This is third party coverage. Coverage may respond when an owner operator’s owned trailer is attached but empty. This coverage is broader than Non-Trucking Liability as it picks up the gray area of dispatch, i.e., the return trip.

Physical Damage

Physical Damage provides coverage for repair or replacement to an insured’s vehicle resulting from a covered loss. The valuation is based on the ACV of the vehicle at the time of the loss due to collision, fire, theft and/or CAC.

Available Options: Glass Replacement Coverage; Personal Effects; Additional Equipment; Tarps, Chains & Binders; Vehicle Replacement; Downtime; Medical Payments; Additional Towing; Truckers Package (Includes: Additional Towing, Replacement Vehicle or Downtime, Additional Equipment & Personal Effects Coverage)

Short-Term Non-Trucking Liability & Physical Damage

Coverage is written on a specified vehicle for a period of 72-hours or 30 days for the purpose of moving a newly acquired unit from one place to another. One additional 72-hour policy may be purchased. The 30-Day policy will satisfy a Lienholders requirement when purchasing the unit from a dealership.

Motor Truck Cargo

Coverage for loss or damages to goods in transit, in the care and custody of our insured.

Available Options: Target Interest Inclusion, 72 Hour-Off Truck, Additional Insured, Refrigerations Breakdown, Trailer Interchange.

Contingent Cargo

This coverage is for freight brokers/forwarders who negotiate contracts for the transportation of goods and may protect them if a claim is made by the shipper for damage to the cargo they arranged transportation for.

Contingent Auto Liability

Coverage for freight brokers who do not own a vehicle but broker loads to truckers. This is essentially non-owned auto liability coverage.

Primary Auto Liability

Provides protection for damages done to third-party, both property as well as bodily injury, in the event of an accident caused by a truck. These policies require the vehicles and drivers be scheduled at the time of loss.

General Liability

General liability insurance (GLI) protects a business from claims of bodily injury, property damage, and personal or advertising injury caused to a third party. It is also known as commercial general liability

We offer Class Codes: Truckers GL 99793, Brokers GL 61224, and Appliances & Accessories GL 91155.

Excess Liability (Umbrella)

Commercial excess liability is an insurance policy that provides an additional layer of financial protection above the limits of your primary liability policies, such as general liability or commercial auto. It kicks in when a claim exceeds the initial policy's limits, safeguarding a business from potentially devastating financial losses from large lawsuits. This coverage is particularly important for businesses with significant assets, high-risk operations, or contractual requirements that mandate high coverage limits.

Property

Commercial property insurance protects a business's physical assets from damage, theft, and other unexpected events. This includes the buildings you own or rent, as well as equipment, inventory, furniture, and personal property used for business operations. It is a critical component of risk management for any business with a physical location or tangible assets.

Professional Liability

Professional liability insurance (PLI), also known as errors and omissions (E&O) insurance, protects businesses and professionals from financial loss if a client sues them for an act of professional negligence. This coverage is crucial for any business or individual who provides a professional service or expert advice.

Cyber Liability

Cyber liability insurance protects businesses from the financial impact of data breaches, cyberattacks, and other digital threats. It is a specialized form of coverage designed for the modern digital landscape, which is not typically covered by traditional commercial insurance policies.

D&O

D&O insurance, or Directors and Officers liability insurance, is a policy that protects the personal assets of a company's leaders if they are sued for alleged or actual wrongful acts while managing the organization. The coverage helps pay for legal defense costs, settlements, and other financial losses.

Inland Marine

Inland marine insurance is a type of property insurance that covers movable items, such as equipment, products, and materials, while they are in transit over land or stored at a location away from the main business premises. It's crucial coverage for businesses that transport goods, work at off-site locations, or own valuable mobile equipment that isn't fully protected by a standard business property policy. Coverage is often referred to as a "floater" policy, protecting against risks like theft, damage from accidents, and certain weather events.

BOP

A Business Owner's Policy (BOP) is a package of insurance coverage designed for small to medium-sized businesses. It typically combines commercial property insurance, general liability insurance, and business income insurance into one policy, often at a more affordable cost than buying them separately.

Workers' Compensation

Workers' compensation insurance is a form of insurance that provides medical care and wage replacement to employees injured on the job. Most employers are required by state law to carry this coverage, and the cost is paid entirely by the employer. This "no-fault" system protects employers from liability claims for work-related injuries and illnesses. Benefits can include medical expenses, lost wages, and rehabilitation costs.

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.

This coverage is similar to Workers Compensation and provides coverage for accidental death, dismemberment, temporary total disability, continuous total disability, pre-existing conditions, accidental medical/dental expense and limited non-occupational accident benefits.

Non-Occupational Accident Benefits are also included in every plan.

National Drivers Association

NDA is a driver benefit program included in every policy we write. Our insured can drive with confidence, knowing there is help and support along every mile. Additionally, our NDA mobile benefits app keeps drivers connected with the services they need, whenever and wherever they are.

NDA Basic Membership - Included in every policy we write!

TCS Fuel Card & Fuel Finder Access
Discount Rx Program
Medical Bill Review
Mental Health Support
Online Wellness
BenefitWallet®
Debt & Financial Support
Legal Support

NDA Basic Plus Membership

All The NDA Basic Benefits PLUS

Telemedicine
Teledentist
Accidental Death & Dismemberment

NDA Roadside Plus Membership

All The NDA Basic & Basic Plus Benefits PLUS

24/7 Emergency Roadside Assistance for

Fuel, Oil, Fluid, Water Delivery
Flat Tire Assistance
Lock-Out Assistance
Battery Assistance
Winching/Extrication Assistance
Towing Assistance