Our Products

Auto Liability

Auto liability insurance is a crucial component of risk management, designed to protect you (the “insured”) from financial burdens associated with legal claims and lawsuits. This coverage shields you in the event of being sued for incidents covered under your policy, offering peace of mind when unforeseen accidents occur.

Commercial auto liability insurance, which is required in most states, provides essential protection in the event that you or your employee is found at fault in an accident. This coverage helps manage the financial responsibility of paying for damages to other vehicles or injuries to others, ensuring that you’re not left bearing the full burden of these costs.

In addition to the minimum required commercial auto liability insurance, some states also mandate underinsured and uninsured motorist coverage. This additional protection ensures that you are covered if the at-fault driver cannot fully cover the damages.

Non-Trucking Liability

Non-Trucking Liability (NTL) insurance provides coverage in the event of an accident while using your vehicle for non-business or personal activities, such as when you are not transporting goods or merchandise. This coverage protects owner-operators from liability claims that may arise when their vehicle is used for personal purposes, regardless of whether a trailer is attached.

NTL coverage also safeguards the motor carrier in situations where a full-time leased driver is not under dispatch. For example, if you are a permanently leased contract trucker, the primary liability coverage provided by your motor carrier typically does not apply when you’re off duty. However, NTL insurance steps in to cover you during non-commercial use, ensuring you’re protected if an accident occurs.

This insurance is specifically designed to apply when your truck is used for non-commercial purposes. If you’re off duty and driving your truck for personal reasons, and an accident occurs resulting in bodily injury or property damage, your primary auto liability policy will not cover the expenses. In these cases, NTL insurance will cover the necessary medical expenses and repairs to other vehicles or property, up to the policy limits.

Auto Physical Damage

Auto Physical Damage insurance is designed to protect your truck and trailer from a wide range of damages. Typically included as part of an auto insurance policy, this coverage ensures that your vehicle is safeguarded against unexpected incidents.

Physical Damage insurance encompasses several types of coverage. It includes Collision insurance, which covers damage resulting from collisions with other vehicles or objects. You can also choose between full Comprehensive insurance, which protects against non-collision-related incidents such as theft, vandalism, or natural disasters, and Fire and Theft with Combined Additional Coverage (CAC), which offers more limited protection focused on specific risks.

Motor Truck Cargo

Motor Truck Cargo Insurance provides essential protection for truckers who transport goods on behalf of others. This coverage comes into play if the cargo is lost, damaged, stolen, or otherwise compromised while in transit. Essentially, it safeguards the cargo while it’s being transported by truck, making it a vital component for shipping companies and independent truckers who handle valuable or high-risk shipments.

Cargo can face a range of risks during transit, including loss, theft, damage, or even destruction due to fire or other unforeseen events. Motor Truck Cargo Insurance offers financial protection against these potential losses, ensuring that you’re covered in the event of such incidents.

Transporting cargo without this insurance exposes shippers to significant risks. Without adequate coverage, the financial impact of cargo loss or damage could be substantial. Motor Truck Cargo Insurance helps mitigate these risks, providing peace of mind and protection for your valuable shipments.

General Liability

General Liability Insurance is essential for protecting your business from a variety of risks. While many associate it with incidents like slip and fall accidents, this coverage extends to a broader range of potential issues. It provides protection for bodily injury, personal injury, and property damage that your business may cause, whether on your premises or at a customer’s location.

This policy covers injuries and damages that occur as a result of your business operations, products, or activities. For example, if an accident happens at your business site or if your business causes damage or injury at a client’s location, General Liability Insurance helps cover the associated costs.

While General Liability Insurance offers comprehensive protection against many common risks, it does not cover all potential liabilities your business may encounter. It’s important to understand its limitations and consider additional coverage options to fully safeguard your business.

Umbrella & Excess Coverage

Umbrella and Excess Liability Insurance both offer additional coverage beyond the limits of your primary policies, but they serve slightly different purposes and come with distinct features.

Umbrella Policies

Umbrella policies provide an extra layer of liability coverage, increasing the limits beyond those of your underlying insurance. Additionally, they often expand coverage to include areas not covered by your primary policies. For instance, an umbrella policy might extend your coverage to a global scale, offering protection that surpasses the territorial limits of your base policies. When an umbrella policy provides additional coverage, it generally requires the insured to meet a self-insured retention or retained limit before the umbrella coverage kicks in.

Excess Liability Policies

Excess Liability policies, on the other hand, offer coverage strictly above the limits of your underlying insurance without broadening the scope of protection. These policies enhance your coverage limits but do not extend or alter the coverage terms of your primary policies. In some cases, Excess Liability policies might even impose stricter conditions than those found in the underlying coverage.

Because most Umbrella and Excess Liability policies are not standardized, it’s crucial to review your specific policy documents to understand the exact coverage provided. In practice, the distinction between Umbrella and Excess Liability policies can be blurred, with many Excess Liability policies being referred to as Umbrella policies. Coverage details can vary significantly between carriers, so it’s important to closely examine your policy to know precisely what is covered.