A standard additional insured coverage at no additional cost

Manuscript endorsements available to address unique coverage needs

No radius restrictions

Single deductible for physical damage and cargo coverages at no additional charge

Downtime coverage automatically included

No coinsurance provision

A blanket additional insured endorsement to assist in shipping contracts and terminal access agreements

Coverage for misdelivery of dry, gaseous, or liquid commodities

No exclusion for punitive damages

Pollution coverage included in auto liability coverage form

Defense coverage provided in addition to policy limits

Automatic coverage for newly acquired vehicles during policy term

Coverage for towing charges in addition to policy limits

Lease value or finance value coverage available for gap between actual cash value and loan value/lease value payoff

Hired auto physical damage (bailee) coverage vs. trailer interchange (no written agreement required, covers all equipment types)

No physical damage restrictions for stainless steel or insulated tankers

Automatic coverage for pollution caused by cargo ($10,000 in pollution cleanup)

Coverage includes earned freight charges, alcohol, consumer electronics, owned goods, wet loads, mysterious disappearance, refrigeration breakdown (including driver error), and losses that occur during loading and unloading

No coinsurance penalty, no tarped load or locked vehicle warranties, no exclusion for unattended theft, and no increased deductibles for specific types of losses

Increased limits available for specific shippers or commodities

Cargo expenses incurred to reduce or eliminate loss are not subject to a deductible

Reefer breakdown losses do not have a separate deductible

Willing to do trip leases to provide additional limits by trip or by insured

Guaranteed cost plans

Retrospective rating plans

Large deductible plans

Single-unit/owner-operator workers’ compensation

Monoline workers’ compensation

Excess workers’ compensation

Installment plans and reporting plans

Towing for mechanical breakdown

Diminishing deductible

Electronic equipment coverage

Personal property coverage

Miscellaneous equipment coverage

Rental reimbursement

Emergency expenses

Flexible payment plans including monthly reporting options based on mileage, units, revenue, or values (for qualifying accounts)

No minimum premium on reporting policy payment plans

Risk sharing programs for qualifying fleet accounts (self-insured retentions and large deductible programs)

Excess and umbrella coverage for greater asset protection

Installment pay plans, including continuous policies

Direct bill plans with multiple payment methods, including check, EFT, credit/debit cards, etc.

Experience and knowledge; specialization in truck insurance (exclusively for over 40 years; trucking is all that we do)

Monitoring and updating of trucking industry trends and issues

Representation across the country by professional agents who know the trucking industry

Active membership, sponsorship, and involvement in state and national trucking associations

Trucking industry advocacy (belongs to several national and state trucking associations)

Long-term protection of our insureds is an essential value – underwriting discipline is key to achieving this

Adequate assets to ensure ability to stay in business and cover losses

A.M. Best rating of “A+”

Focus on, and desire to, “do the right thing”

Integrity and honesty as core values

Easily accessible and caring employees

Desire to cultivate long-term relationships with insureds