We can offer a wide range of packaged coverage for fleets and owner-operators. Please contact for quotes:
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Auto Liability provides coverage for the legal liability of a trucker who causes Bodily Injury or Property Damage due to negligent ownership maintenance or use of their vehicle. The insurance company agrees to pay on behalf of the insured for this legal liability. We can structure a policy that meets your needs. These policy types can vary from mileage reporting, gross revenue or your traditional scheduled vehicle type policies.
General Liability provides coverage for the liability incurred as a result of operations, rather than by auto or truck. This would include liability for yard and office premises as well as any other operations such as warehouse, grading, product manufacturing, etc. With so many restrictions on these policy forms, it is vital to make sure you have the right job classifications listed on the policy form. We can help you review your current operations extensively to avoid any potential gaps in coverage.
Cargo insurance provides coverage for the legal liability of the trucker in regards to the property being transported while in the trucker’s care, custody and control. Coverage is written for a specified limit. To keep the premiums low, a deductible is usually mandatory. With many restrictions and limitations that most carriers have, we have decided to work with select carriers who offer inland marine and cargo policy forms on both specified auto and gross revenue basis.
Trailer-Interchange Liability coverage protects the trailer you do not own while in your possession under a written trailer or equipment interchange agreement in which you assume liability for loss to the trailers while in your possession. This coverage can be easily misunderstood and written incorrectly. We insure many intermodal operations and can demonstrate the best way to insure your exposures.
Commercial Umbrella or Excess Liability
Commercial Umbrella or Excess Liability insurance supplements the limits of an insured’s underlying policies such as general liability, automobile liability, and employers’ liability. Umbrellas also protect insured from exclusions and gaps that exist in their primary liability insurance. Covered causes of loss that are not normally included in primary policies are subject to a self-insured retention (SIR), which is the responsibility of the insured to pay. An umbrella policy’s coverage is triggered when the limits of the underlying insurance have been exhausted. Less commonly, an umbrella may also respond to a claim that is not covered by an underlying policy, but only when the loss amount exceeds the self-insured retention
Warehouse Liability insurance protects the freight a company assigns storage charges for. Warehouse receipts specifying the terms of the storage contract must be utilized. Warehouse coverage is one of the most complex coverage you can purchase. If this policy is not written correctly, it can not only cost you thousands of dollars, or have uncovered losses. Although most warehousing operations think they need warehouseman’s legal, you may actually need a bailee policy form. We can discuss your operations specific needs, address what you are doing to limit your exposures, and create the best program for you.
Business personal property coverage protects your investment in property and equipment that you may purchase or lease, while it’s in your care, custody and control. Some of the covered perils are: Theft, Fire, Wind, Lightening, Hail, Explosion, Vandalism, Smoke, Sprinkler Leakage, Riot or Civil Commotion, Sink Hole Collapse, Volcano.
Professional liability insurance is coverage for specialists in various professional fields. Since basic liability policies do not protect against situations arising out of business or professional pursuits, professional liability insurance is purchased by individuals who hold themselves to the general public as having greater than average expertise and particular areas. For example, surgeons, dentists, accountants, lawyers, freight forwarders, freight broker, etc.
Occupational Accident Insurance
Occupational Accident insurance cover claims for accidents that occur while independent contractors are on the job, this is not to take place of your traditional Workers’ Compensation type policy. It is the standard alternative for owner-operators who are excluded under the worker’s compensation policies, since they are the owners of their own business. There is normally a limit for benefits, with no deductible.
The government mandates all employers maintain a Workers’ Compensation insurance policy in force for their employees. This insurance protects employers against liability to their workers for injuries sustained while on the job. This insurance policy also protects the employee and his/her ability to create future earnings to support themselves and their family.
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