Available Coverages

Non-Trucking Liability - (NTL)

Non-Trucking Liability provides coverage to protect permanently leased owner operators, commonly referred to as Independent Contractors, against liability claims that occur when operating the vehicle for personal or non-business use. Coverage is provided when the commercial vehicle is not furthering the business of the motor carrier. The return trip is considered within the dispatch loop. 

Unladen Liability - (UL)

Unladen Liability provides coverage for RV haulers and flatbed risks while bobtailing or operating a pick-up truck or tractor that is not hauling cargo, or “unladen,” regardless of dispatch status. This is third party coverage. Coverage may respond when an owner operator’s owned trailer is attached but empty. This coverage is broader than Non-Trucking Liability as it picks up the gray area of dispatch, i.e., the return trip. 

Physical Damage – Collision, Specified Perils

Physical Damage provides coverage for repair or replacement to an insured’s vehicle resulting from a covered loss. The valuation is based on the ACV of the vehicle at the time of the loss due to collision, fire, theft and/or CAC. 

General Liability

Coverage for the insured’s liability from bodily injury or property damage to others arising from the insured’s premises operations, products and completed operations. We offer Truckers GL 99793, Brokers GL 61224, and Appliances & Accessories GL 91155.

Motor Truck Cargo

Coverage for loss or damages to goods in transit, in the care and custody of our insured. Optional deductibles and endorsements are available.

Contingent Cargo

This coverage is for freight brokers/forwarders who negotiate contracts for the transportation of goods and may protect them if a claim is made by the shipper for damage to the cargo they arranged transportation for.

Short-Term Non-Trucking Liability & Physical Damage

Coverage is written on a specified vehicle for a period of 72-hours or 30 days for the purpose of moving a newly acquired unit from one place to another. One additional 72-hour policy may be purchased. The 30-Day policy will satisfy a Lienholders requirement when purchasing the unit from a dealership.

Occupational Accident

Protects an owner operator from losses resulting from job related injuries or death. Coverage for owner operators, contract drivers and employee drivers who are not required by law in their state to carry Workers Compensation and are between the ages of 21 and 70 years old. This coverage is similar to Workers Compensation and provides coverage for accidental death, dismemberment, temporary total disability, continuous total disability, pre-existing conditions, accidental medical/dental expense and limited non-occupational accident benefits. Non-Occupational Accident Benefits are also included in every plan.

Contingent Auto Liability

Coverage for freight brokers who do not own a vehicle but broker loads to truckers. This is essentially non-owned auto liability coverage.

Primary Auto Liability

Provides protection for damages done to third-party, both property as well as bodily injury, in the event of an accident caused by a truck. These policies require the vehicles and drivers be scheduled at the time of loss.

National Drivers Association  - Driver Benefit Program

NDA Basic Membership - Included in every policy we write!  

• TCS Fuel Card & Fuel Finder Access
• Discount Rx Program
• Medical Bill Review
• Mental Health Support
• Online Wellness
• BenefitWallet®
• Debt & Financial Support
• Legal Support

NDA Basic Plus Membership 

All The NDA Basic Benefits PLUS

• Telemedicine
• Teledentist
• Accidental Death & Dismemberment

NDA Roadside Plus Membership 

All The NDA Basic & Basic Plus Benefits PLUS 24/7 Emergency Roadside Assistance for Fuel, Oil, Fluid, Water Delivery,  Flat Tire Assistance, Lock-Out Assistance, Battery Assistance, Winching/Extrication Assistance, and Towing Assistance