Kaigler & Company places Trucking Physical Damage for a wide range of commercial units, including difficult-to-place operations such as auto haulers, mobile home haulers, sand/gravel/coal haulers, tankers, and refrigerated-commodities haulers. The program is built to accommodate local and long-haul exposures and can handle specialized equipment and varied cargos.
Overview of the Program from Kaigler & Company
This Trucking Physical Damage program provides physical damage coverage options for commercial trucks and trailers that are often declined by standard markets. Kaigler & Company leverages Lloyd's capacity to offer flexible terms for specialty haulers and mixed-fleet operations. The program is designed for agents who need a market for accounts with challenging exposures, higher limits, or unusual vehicle types.
Ideal Accounts and Appetite
- Auto and mobile home haulers
- Sand, gravel, and coal haulers
- Tankers and bulk-liquid haulers
- Refrigerated-commodities haulers (reefers)
- Mixed fleets combining tractors, trailers, and specialized equipment
- Local delivery and long-haul operations with acceptable loss histories
Coverage Highlights and Advantages
- Physical damage coverage for tractors, trailers, and attached mobile equipment
- Flexible terms to address specialty vehicle values, aftermarket equipment, and refrigeration units
- Capacity for difficult risks that need a non-admitted placement through Lloyd's
- Underwriting that considers hauling commodity, route profile, and vehicle condition rather than just class code
Underwriting Notes and Minimum Premiums
Kaigler & Company focuses on risk details—vehicle age, mileage, maintenance practices, equipment lists, and driver selection. Important submission items include a vehicle schedule with values, recent loss runs, description of commodities hauled, typical routes, and any anti-theft or refrigeration monitoring systems. Minimum annual premium: $5,000.
Territories and Availability
Available 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, WY. Placements are typically non-admitted through Lloyd's; availability may vary by state and submission specifics.
Why Work With Kaigler & Company on Trucking Physical Damage
- Experienced in placing specialized trucking accounts that struggle in standard markets
- Direct Lloyd's capacity for broader appetite and flexible terms
- Underwriters that evaluate operational details to find placement solutions
- Clear minimum premium threshold to ensure appropriate account sizing
Example Accounts That Often Fit
- A regional refrigerated-food carrier with older reefers needing agreed value coverage and refrigeration monitoring endorsements.
- A small fleet of mobile-home haulers that requires cover for combined tractor/trailer values and sporadic long-haul runs.
Frequently Asked Questions
What types of trucking accounts are a good fit for this program?
Accounts with specialized equipment or commodities—auto and mobile-home haulers, sand/gravel/coal haulers, tankers, and reefers—are a strong fit. The program also works for mixed fleets and difficult risks declined by standard carriers.
What is the minimum premium and how does that affect small fleets?
The program’s minimum annual premium is $5,000. Smaller fleets may need to be aggregated or structured to meet that threshold, or you can discuss alternate terms with underwriters if the overall exposure justifies placement.
Which states are eligible for placement?
Kaigler & Company offers this program across the listed states, from Alabama to Wyoming (including DC). Capacity and terms may vary by state; provide full submission details to confirm eligibility.
What documentation should I include with a submission?
Include a vehicle schedule with values, recent loss runs, description of commodities and routes, driver qualification details, and any safety or anti-theft measures. The more operational detail you provide, the faster underwriters can assess fit.
Is this an admitted or non-admitted placement?
This program places capacity through Lloyd's and is typically a non-admitted placement. Confirm state-specific availability and filing requirements when submitting.
Need help placing an account? Connect with a market specialist.