Truck Physical Damage Insurance from Patriot Underwriting Managers
Patriot Underwriting Managers offers a dependable Truck Physical Damage program tailored to a broad range of trucking risks. Whether your client operates a single power unit or a large fleet, this program delivers flexible protection through high-quality carriers and responsive underwriting. As a specialized Managing General Agency with deep market relationships, Patriot helps agents access competitive options that meet today’s commercial haulers’ needs.
Ideal Accounts and Program Appetite
This program is built for both for-hire and private motor carriers across multiple segments. Patriot accepts a wide variety of vehicle types, including:
- Dry van and refrigerated haulers
- Flatbeds and lowboys
- Tankers and bulk commodity haulers
- Tow trucks and recovery vehicles
- Intermodal and container haulers
Coverage is available for single-unit operations up to fleets of 500+ units. Both new ventures and experienced operators may be eligible depending on underwriting criteria. Mixed fleets and accounts with specialized equipment are routinely considered.
Coverage Highlights and Advantages
- Physical Damage coverage for owned units
- Motor Truck Cargo and Non-Trucking Liability (NTL) options
- Flexible deductible and limit options
- Coverage for owned trailers and attached equipment
- Available for leased and owner-operator fleets
The program is backed by financially strong carriers, including AIG, Clarendon National Insurance Company, Lloyd’s, and National Interstate Insurance Company, providing stability and capacity for a wide range of risks.
Underwriting Notes
Submissions are evaluated on driving history, vehicle and equipment type, radius of operations, and overall safety record. While Patriot is competitive on pricing, risks with poor loss histories, repeated preventable incidents, or significant regulatory violations may not qualify. There is no set minimum premium, allowing flexibility to quote small and large accounts based on the individual risk profile.
Territory and Availability
The Truck Physical Damage program is available in most states, including:
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.
Admitted paper is available in most states, offering clients the added confidence of regulated protections where applicable.
Why Work With Patriot Underwriting Managers
Patriot specializes in transportation and trucking insurance solutions. As a focused MGA with access to top-rated carriers, Patriot provides responsive service, experienced underwriting, and practical flexibility to place accounts that may not fit standard markets. Agents can expect fast turnaround, clear communication, and underwriting that understands operational realities.
Example fits:
- You have a refrigerated hauler with a clean safety record and a mix of owned trailers — Patriot can quote physical damage plus cargo limits to match the operation.
- You represent an owner-operator or small fleet (1–10 units) seeking admitted physical damage with flexible deductibles — Patriot routinely handles these submissions.
Frequently Asked Questions
What types of accounts are a good fit for this Truck Physical Damage program?
This program fits for-hire and private motor carriers, including single-unit operators and fleets of 500+ units. It is suitable for dry vans, reefers, flatbeds, tankers, intermodal operations, tow/recovery, and other common trucking classes.
Can I submit accounts with fewer than five trucks?
Yes. Patriot accepts accounts as small as a single truck, provided the underwriting criteria are met.
Are new ventures or start-up trucking companies eligible?
Yes. New ventures may be considered depending on driver experience, equipment condition, and documented safety practices.
What coverages are available under this program?
The program offers Physical Damage coverage and optional Motor Truck Cargo and Non-Trucking Liability (NTL) coverages. Limits and deductible flexibility vary by submission.
Is this program available in my state?
The program is available in most U.S. states with both admitted and non-admitted options depending on jurisdiction. Check state availability when preparing a submission.
Need help placing an account? Connect with a market specialist.