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Extra Protection for Your
Trucking Business.

These policies add to your liability, cargo and equipment coverage. Ask one of our trucking specialists for additional guidance.

Docks & yards

General Liability

Covers injuries and property damage that happen off the road, at your yard, a customer’s dock or during loading and unloading.

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  • $1M / $2M limits are common
  • Certificates available on request
  • Covers loading and unloading exposure
Employed drivers

Workers' Compensation

Covers your employees, from drivers to dispatchers to shop staff, if they’re hurt on the job. Many states have made this contract mandatory.

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  • Multi-state coverage
  • Pay-as-you-go options may be available
  • Return-to-work claim support
Independent owner-operators

Occupational Accident

Covers medical bills, lost income and accidental death benefits if you’re hurt on the job as an independent contractor. Workers’ comp usually doesn’t cover leased owner-operators, so this fills that gap.

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  • Often required to lease onto a carrier
  • Medical, disability and death benefits
  • Protection when workers' comp doesn't apply
Higher limits

Excess Liability / Excess Cargo (XS)

Raises your policy coverage limits, so you can take on contracts and freight that call for more than your policy limits.

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  • Adds limits above your auto liability
  • Helps meet $2M+ broker and shipper requirements
  • Follows the terms of your primary policy

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