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TCB Insurance Programs, LLC
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TCB Insurance Programs, LLC
Contact Us
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Truckers Physical Damage Insurance


TCB Insurance Programs offers a flexible and competitive solution for Truckers Physical Damage Insurance. Whether you’re working with a single owner-operator or a fleet of 1,000 units, we have the underwriting expertise and market access to help you place this business effectively.

Our program includes both Fire, Theft, and CAC (Collision and Comprehensive) forms as well as full Comprehensive coverage options. We are equipped to write a wide range of trucking risks—local, intermediate, and long-haul operations—as long as the physical damage coverage is needed for owned units. This program is designed for independent insurance agents and brokers who are looking for a responsive wholesale partner to secure solid physical damage coverage for their transportation clients.

Ideal Accounts and Appetite

We can place risks across the spectrum—from new ventures with a single truck to established fleets with hundreds of units. Our markets are open to a wide variety of trucking classes, including:
  • Long-haul and regional freight carriers
  • Owner-operators and leased owner-operators
  • Fleet operations with light to heavy trucks
  • Refrigerated, dry van, flatbed, and specialized equipment haulers
Units can be individually scheduled or blanket-rated, depending on the insured’s needs.

Coverage Highlights and Advantages

Our Truckers Physical Damage program provides robust options that include:
  • Fire, Theft & CAC or full Comprehensive forms
  • Single truck and fleet capabilities
  • Flexible deductibles and valuation options
  • Coverage for attached equipment and permanently installed accessories
You might have a client who just purchased a new tractor-trailer unit and needs standalone physical damage coverage fast — or a fleet account looking to consolidate and better manage their PD policy across multiple states. We can help with both.

Underwriting Notes and Minimum Premium

We work with a variety of non-admitted carriers, giving us the flexibility to tailor solutions for standard, distressed, or hard-to-place risks. Minimum premiums vary depending on the risk profile, number of units, and coverage options selected.

Territories and Availability

This program is available in most U.S. states, including but not limited to CA, TX, FL, GA, IL, NY, and PA. We currently offer coverage in all states except those with regulatory restrictions, and we are continually expanding our reach.

Why Work With TCB Insurance Programs?

As a wholesale broker with deep experience in transportation risks, TCB Insurance Programs is your go-to partner for Truckers Physical Damage coverage. We understand the operational challenges your motor carrier clients face and offer quick turnaround times, competitive pricing, and access to multiple specialty markets. Our team is committed to helping retail agents successfully place and retain their trucking accounts.

Please contact TCB today for a quote or more information on our Truckers Physical Damage Insurance program.
For more information about our Truckers Physical Damage Insurance Program, visit our website www.tcbinspro.com.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We can accommodate owner-operators, small fleets, and large trucking companies with up to 1,000 units. Both new ventures and seasoned operations are eligible.

What coverage forms are offered?

We provide both Fire, Theft and CAC forms and full Comprehensive forms, with flexible options tailored to the insured’s needs.

Are there any restrictions on the types of vehicles covered?

We can cover most types of trucks and trailers used in freight hauling, including flatbeds, refrigerated units, dry vans, and specialized equipment.

In which states is this program available?

This program is offered in most U.S. states, including CA, TX, FL, NY, and others. Some restrictions may apply based on local regulations.

Is this program admitted or non-admitted?

This is a non-admitted program written through various carriers, allowing for flexibility in underwriting and pricing.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A or better by Best
  • Commission:
    10%+
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

PO Box 100
Monticello, IN 47960
574-583-8661
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APPLICATIONS

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TCB Insurance Programs, LLC has other insurance programs like Contingent Auto Liability Insurance.