Primary Auto Liability: Private, Common and Contract Carriers must carry liability
coverage, including leased units. Liability insurance protects you when a third party is injured/damaged in an accident.
Physical Damage: Coverage for your truck/trailer. Premium is based upon the value of the equipment, usually
General Liability: Protects the business for any property damage/bodily injury that might occur, though
not involving a vehicle.
Non-Trucking Liability (Bobtail) Insurance: pays for an accident when the driver/truck is not under
Trailer Interchange Liability: Coverage protects a trailer you are pulling when there is an
interchange agreement in effect.
Cargo Insurance: Covers loss/damage to freight in transit. Please review terms carefully as many exclusions may
Terminal Coverage: Protects freight located at specified terminals in the event of loss. There are usually
time limitations related to this coverage.
Warehouse Legal Liability: Coverage protects goods stored at specified locations in the event of loss,
ie: theft, fire, sprinkler damage. Amount of coverage is dependent upon the total amount of goods stored at any one time.