Liability
It is coverage from your truck insurance policy that covers when your truck is involved in an accident with another party, and it is your fault. Auto Liability goes into effect by covering the cost of damage to other people’s vehicles, property, medical expenses related to the accident, and your legal defense if your company is sued.
Cargo
Truckers are liable if the cargo they are handling is damaged, lost, or destroyed. Cargo coverage, sometimes referred to as truck cargo coverage or inland marine coverage, provides you with financial protection to cover the cost of the cargo, cleanup, pollution removal, and more.
Physical Damage
Physical Damage Insurance is coverage from your trucking insurance policy that covers your commercial truck and equipment when you have an accident. It pays to fix or replace the tractors, trailers, and equipment you own or lease that are damaged when you are involved in an accident and it is your fault.
General Liability
General Liability Insurance protects your company from the financial impacts of property damage and injuries to third parties. General Liability covers liability from damages that aren’t directly related to operating your truck.
Trailer Interchange
Truckers are liable if the cargo they are handling is damaged, lost, or destroyed. Cargo coverage, sometimes referred to as truck cargo coverage or inland marine coverage, provides you with financial protection to cover the cost of the cargo, cleanup, pollution removal, and more.
Reefer Breakdown
Insurance for trucking companies that transport refrigerated cargo. It protects against losses due to spoilage of perishable goods caused by a breakdown of the refrigeration unit on the truck. This coverage is different from Broad Spoilage Coverage which protects against cargo spoilage for any reason
Non-Own Trailer
Is a type of insurance that protects against financial liability when you're hauling a trailer that you don't own, even if it's not part of a formal interchange agreement. It's not legally mandatory but highly recommended, especially for drivers or trucking companies regularly using other companies' trailers.
UIIA Endorsement
The UIIA Endorsement, specifically the "Truckers Uniform Intermodal Interchange Endorsement," is a hold harmless endorsement that must be added to an auto liability insurance policy. This endorsement is required by the Uniform Intermodal Interchange and Facilities Access Agreement (UIIA), a standard contract used in the Intermodal Industry.
