Auto Liability
If you cause an accident, it pays for injuries and damage to other people and their property.
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Coverages
Every coverage, explained in plain language
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For truckers
Owner-operators, fleets and new authorities.
Motor Truck Cargo
Protects the freight you haul when you are responsible for damage or loss.
Brokers and shippers ask for it
Physical Damage
Collision, comprehensive and theft for your own truck and trailer.
Required if your truck is financed
General Liability
Claims for injuries or property damage from your operations, outside of driving.
Many shippers and warehouses ask for it
Workers' Compensation
Medical bills and lost wages when an employee is hurt on the job.
Required in California if you have employees
Non-Trucking Liability / Bobtail
Liability when a leased-on driver uses the truck outside of dispatch.
For drivers leased to a carrier
Occupational Accident
Medical bills and income if an owner-operator gets hurt on the job.
For owner-operators without workers' comp
Non-Owned Trailer
Physical damage for trailers you use for business but don't own, held under 30 days.
Trailer Interchange
Protects trailers you pull under an interchange agreement against collision, theft, vandalism and weather.
Required by interchange agreements
Hired & Non-Owned Auto
Liability when you use rented or leased vehicles, or employees drive their own cars for work.
UIIA Endorsement
The endorsement required under the Uniform Intermodal Interchange and Facilities Access Agreement.
For intermodal drayage at ports and rail
Reefer Breakdown
Spoiled cargo when your refrigeration unit breaks down.
For reefer loadsFor small business
Restaurants, shops, offices, auto repair and services.
Most importantGeneral Liability
Injuries to customers and damage to other people's property caused by your business.
Your landlord and clients ask for it
Most importantWorkers' Compensation
Medical bills and lost wages when an employee is hurt on the job.
Required by law in California if you have employees
Business Owner's Policy (BOP)
General liability, your building or contents, and lost income after a covered loss, in one package.
Best value for small businesses
Commercial Property
Your building, equipment, furniture and inventory against fire, theft and other covered losses.
Commercial Auto
Vehicles owned by or used for the business: liability, collision and uninsured motorist.
Professional Liability (E&O)
Claims that a mistake or negligence in your service cost a client money.
For consultants and professional services
Umbrella / Excess
Extra limits above your general liability, auto and employer's liability.
When a contract asks for $2M+
Cyber Liability
Data breaches, hacked accounts and ransomware: notification costs, recovery and liability.
Liquor Liability
Claims from serving alcohol at restaurants, bars and events.
For restaurants that serve alcohol
Employment Practices (EPLI)
Claims from employees for discrimination, harassment or wrongful termination.
For contractors
General contractors and specialty trades. (Commercial auto and umbrella are listed under Business.)
Most importantGeneral Liability
Injuries and property damage caused by your work, including completed operations.
Required by most contracts
Most importantWorkers' Compensation
Medical bills and lost wages when an employee is hurt on the job.
CSLB requires proof or an exemption
Contractor License Bond
The bond the CSLB requires to keep your contractor license active.
Required by the CSLB
Tools & Equipment (Inland Marine)
Your tools and equipment on the job site, in your truck or in storage.
Builder's Risk
The building or project while it's under construction.
For remodels and new builds
Professional Liability
Claims from design, estimating or project-management mistakes.
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