Ideal Accounts and Appetite
This program is tailored for a wide variety of trucking exposures, including but not limited to:
- Livestock transportation
- General commodities hauling
- Dry van, flatbed, and container loads
- Machinery and equipment transport
- Iron, steel, and building materials
- Produce, meat, seafood, and refrigerated goods
- Pharmaceuticals and mail/periodical delivery
- Auto transporters and boat haulers
- Oversize and overweight loads
- Water transportation
If you have a client operating a small fleet of refrigerated trucks delivering seafood to restaurants along the Pacific Northwest, or an auto hauler transporting vehicles across neighboring states, this program could be a great fit.
Ineligible Exposures
This program excludes certain risks, including:
- Student drivers
- Non-employee passengers
- Hazardous materials (incidental household items acceptable)
- Petroleum-based products (see petroleum haulers)
- Triple trailers
- Medical or biohazardous waste
- Mobile/manufactured home toters
- Explosives, poisonous gas, or radioactive materials
- Logging trucks
- Owner-operators not permanently leased
Coverage Highlights and Advantages
- Automobile liability limits up to $5 million
- Uninsured/underinsured motorist and medical payments
- Personal injury protection
- Hired and non-owned auto coverage
- Physical damage coverage
- Motor truck cargo insurance
- Trailer interchange coverage
- UIIA (Uniform Intermodal Interchange Agreement) compliance
- General liability under truckers' code
- Multi-line discounts may be available
Underwriting Requirements
- Loss information for current and prior years
- Complete VINs for all power units
- Full driver list with acceptable MVRs
Territory and Market Access
This trucking program is available in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Cochrane & Company works with multiple carriers, providing access to both admitted and non-admitted markets, with most coverage available through surplus lines. Minimum premiums vary based on risk characteristics.
Why Work With Cochrane & Company?
As a Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company brings decades of experience and strong carrier relationships to help you place even the most complex trucking accounts. Whether you're working with regional haulers or specialized transporters, our knowledgeable underwriting team is here to support your success from quote to bind.
Frequently Asked Questions
What types of accounts are a good fit for this Trucking Insurance program?
Accounts involved in hauling general freight, refrigerated goods, autos, boats, livestock, and building materials within a 300-mile radius are ideal. Both for-hire and not-for-hire operators are eligible.
What are the main coverage options offered under this program?
Available coverages include auto liability up to $5 million, motor truck cargo, physical damage, trailer interchange, UIIA, and general liability under the truckers' code.
Are hazardous materials haulers eligible for this program?
No, risks involving hazardous materials, explosives, radioactive substances, or biohazardous waste are not eligible. Incidental household items like spray paint or batteries are acceptable.
In which states is this program available?
The program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY.
What underwriting information is required for a quote?
You’ll need complete VINs for all power units, a full driver list with acceptable MVRs, and current/prior loss history.
Need help placing an account? Connect with a market specialist.