Intermodal Trucking Workers' Compensation Insurance
Crum & Forster, through its program administrator Trinity Risk, offers a tailored Intermodal Trucking Workers' Compensation Insurance program for Texas-based intermodal trucking companies. This solution is intended for firms that operate with 100% owner-operators and need workers' compensation protection for non-driving personnel.
This program does not provide workers’ compensation for drivers or other trucking exposures. It applies only to non-driving employees such as clerical staff, sales personnel, executive officers, and mechanics—covering workplace injuries that occur away from driving operations.
Coverage is available exclusively as a companion to the Truckers Occupational Accident Insurance program. Offering these policies together lets you place a cohesive solution that addresses both owner-operator accident exposures and the company’s non-driving workforce.
Ideal Accounts and Appetite
This program is a strong fit for Texas intermodal trucking firms that:
- Use 100% owner-operators (no company drivers)
- Employ non-driving staff such as dispatchers, clerical employees, mechanics, or on-site sales teams
- Need workers' compensation only for workplace exposures unrelated to driving
Example: You might have a Texas intermodal operator that contracts independent drivers but employs an administrative team and shop mechanics. This program lets you place their non-driver workers’ comp exposure while the drivers remain on an occupational accident policy.
Coverage Highlights and Advantages
Key features agents should know:
- Workers' compensation for non-trucking class codes only
- Must be paired with the Truckers Occupational Accident Insurance program
- Minimum premium starts at $5,000
- Underwriting focused on clear, fast decisioning for qualified accounts
Underwriting Requirements
To quote the account, provide:
- ACORD application
- Loss runs for the past 4 years (current year + 3 prior)
- WC experience modification worksheet
- Copy of the owner-operator contract
- IFTA reports, if available
Territories and Availability
This program is currently available exclusively in Texas. It is best suited for agents placing regional or state-based intermodal fleets that require a specialized workers’ compensation solution for non-driver employees.
Why Work With Crum & Forster and Trinity Risk?
Trinity Risk administers this program for Crum & Forster and brings focused underwriting expertise in the intermodal and owner-operator space. Agents benefit from responsive service, clear submission guidelines, and a program designed to complement occupational accident coverage for drivers.