Overview of the Program from TCB Insurance Programs, LLC
Our Contingent Motor Truck Cargo Insurance fills the gap when the underlying motor carrier’s auto cargo policy fails to respond, is inadequate, or does not exist. We provide contingent coverage including the ability to make required DOT filings for freight forwarders, giving your clients compliance and continuity of protection while you place primary cargo limits.
Ideal Accounts and Appetite
TCB works with a broad range of transportation accounts. Typical fits include:
- Freight brokers and freight forwarders of all sizes who need contingent cargo protection and DOT filings
- New ventures launching without prior insurance history
- Owner-operators and fleets from 1 to 1,000+ units
- Specialty haulers such as auto, RV, and boat transporters
- Household goods and furniture carriers requiring tailored terms
You might have a client launching a brokerage that handles refrigerated groceries, or a freight forwarder arranging multi-leg auto transport—both can often be placed through this program.
Coverage Highlights and Advantages
This program is structured to be broad, competitively priced, and responsive. Key features include:
- Limits up to $10,000,000
- Contingent Motor Truck Cargo coverage with DOT filings for freight forwarders
- Reefer breakdown coverage for temperature-sensitive shipments
- Flexible solutions for complex or niche transport exposures
Most quotes can be completed the same day by phone or email for straightforward accounts, allowing you to meet tight client deadlines.
Underwriting Notes and Minimum Premiums
Underwriting is account-specific. Minimum premiums vary based on account size, commodities, transit patterns, and requested limits. TCB’s underwriting team offers flexibility and will work with you to structure terms that reflect the client’s exposure. We have broad market access to place more difficult or specialty risks.
Territories and Availability
This contingent cargo program is available in most U.S. jurisdictions. Coverage is currently offered in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Please confirm state eligibility for each submission.
Why Work With TCB Insurance Programs, LLC?
As a wholesale broker, TCB provides specialized transportation underwriting and fast, service-oriented support. Our strengths include:
- Dedicated cargo expertise and familiarity with contingent exposures
- Quick turnaround on quotes and filings to keep your deals moving
- Access to a variety of carrier markets for flexible placement options
- Ability to handle new ventures and complex niche risks
For more information about our
Contingent Motor Truck Cargo Insurance, visit our website
www.tcbinspro.com.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for freight brokers, freight forwarders, specialty haulers, and new transportation ventures that require contingent cargo protection when the motor carrier’s coverage is missing or inadequate.
Can you provide coverage for new transportation businesses?
Yes. TCB welcomes new ventures and can provide contingent coverage even without prior insurance history, subject to underwriting review.
Do you offer filings for freight forwarders?
Yes. We can complete the required DOT filings as part of the contingent cargo offering to help your forwarder clients remain compliant.
What is the typical turnaround time for a quote?
For standard accounts, most quotes can be turned around the same day by phone or email. Complex or high-limit submissions may require additional underwriting time.
Is the program available nationwide?
Coverage is available in most U.S. states; please refer to the program’s state availability to confirm eligibility for a specific account.
Need help placing an account? Connect with a market specialist.