Overview — Program from Transportation Risk Services
Transportation Risk Services (www.trsinsurance.com) offers a Truckers Auto Physical Damage program designed for agents and brokers who need flexible physical damage solutions for truck fleets. TRS combines wholesale/MGA underwriting expertise with broad market access to place local, intermediate and long-haul physical damage accounts. The program accommodates fleets that move a wide range of commodities, with an underwriting preference for non-hazardous freight.
Ideal Accounts and Appetite
- Truck fleets operating local, intermediate, and long-haul routes.
- Owner-operators and fleet operators with mixed power units and trailers.
- All commodities considered; non-hazardous commodities are preferred.
- Accounts that need trailer interchange / non-owned trailer coverage and higher towing & storage limits.
Coverage Highlights and Advantages
- High towing & storage limits to protect against vehicle recovery costs.
- Trailer interchange / non-owned trailer coverage available.
- Optional earthquake coverage.
- Flexible reporting options: monthly and annual reporting available.
- Profit-sharing agreement options for qualifying accounts.
- Non-trucking insurance solutions when needed.
Underwriting Notes and Minimums
Minimum Deductible: $1,000
Maximum Occurrence Limit: $2,500,000
Minimum Premium: $10,000
Underwriting considers unit age, loss history, radius of operations, commodity hauled and maintenance practices. Large fleets or higher exposure accounts may qualify for profit-sharing arrangements or tailored reporting. Additional non-truck commercial vehicle fleets may be considered — call with risk details to determine acceptability.
Territories and Admitted Status
Available in most states. This program is offered in the following jurisdictions:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, 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 availability is broad; placement may be admitted or non-admitted depending on state requirements and the risk profile. Contact TRS underwriting for state-specific guidance.
Why Place This Business with Transportation Risk Services
- Specialized transportation underwriting and wholesale broker services focused on auto physical damage and related coverages.
- Experience placing local to long-haul exposures, with flexible policy terms and reporting options.
- Capacity for higher towing/storage limits and trailer interchange wording that many standard markets do not offer.
- Responsive service for agents — TRS underwriters can evaluate complex fleets and structure profitable programs including profit sharing where appropriate.
Example Accounts That Fit
- A regional trucking fleet with 40 tractors and 80 trailers operating interstate lanes that needs trailer interchange coverage and higher towing limits after multiple roadside recoveries.
- An owner-operator program with mixed age units hauling general freight who needs earthquake coverage on high-value units and prefers monthly reporting to control premium flow.
If you have a truck fleet with unique physical damage exposures or need flexible wording (trailer interchange, non-trucking, high towing limits), Transportation Risk Services can evaluate the submission and advise on placement options. Please provide vehicle schedules, loss runs, radius of operations and commodity details when requesting review.
Frequently Asked Questions
What types of accounts are a good fit for this Truckers Auto Physical Damage program?
Fleets operating local, intermediate or long-haul routes—especially those that need trailer interchange, higher towing & storage limits, or optional earthquake coverage. Non-hazardous commodity haulers are preferred, but all commodities are considered.
What are the program minimums and limits I should know when submitting?
The program has a minimum premium of $10,000, a minimum deductible of $1,000, and maximum occurrence limits up to $2,500,000. Specific terms depend on the risk profile and state placement.
Can you place non-truck commercial fleets through this program?
Yes—additional non-truck commercial vehicle fleets may be considered. Provide vehicle details, operations, and loss history so TRS underwriting can determine acceptability and structure terms.
Need help placing an account? Connect with a market specialist.