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...yee's name to ask for my first aid box. The others came up and asked, I had t...

...livery company running refrigerated box trucks across several neighboring stat...who runs a small fleet of refrigerated box trucks across three neighboring states or...

... clients that don’t fit traditional boxes. Whether you need admitted paper whe...

...t may not fit standard underwriting boxes, helping you secure coverage for cli...

TCB Insurance Programs, LLC offers a focused and flexible Contingent Motor Truck Cargo Insurance program built for wholesale distribution through independent agents and brokers. Designed for freight brokers and freight forwarders at any stage—startup or established operator—this program delivers contingent cargo protection and DOT filing support where the primary motor carrier coverage is absent or insufficient. Overview of the Program from TCB Insurance Programs, LLC Our Contingent Motor Truck Cargo Insurance fills the gap when the underlying motor carrier’s auto cargo policy fails to respond, is inadequate, or does not exist. We provide contingent coverage including the ability to make required DOT filings for freight forwarders, giving your clients compliance and continuity of protection while you place primary cargo limits. Ideal Accounts and Appetite TCB works with a broad range of transportation accounts. Typical fits include: Freight brokers and freight forwarders of all sizes who need contingent cargo protection and DOT filings New ventures launching without prior insurance history Owner-operators and fleets from 1 to 1,000+ units Specialty haulers such as auto, RV, and boat transporters Household goods and furniture carriers requiring tailored terms You might have a client launching a brokerage that handles refrigerated groceries, or a freight forwarder arranging multi-leg auto transport—both can often be placed through this program. Coverage Highlights and Advantages This program is structured to be broad, competitively priced, and responsive. Key features include: Limits up to $10,000,000 Contingent Motor Truck Cargo coverage with DOT filings for freight forwarders Reefer breakdown coverage for temperature-sensitive shipments Flexible solutions for complex or niche transport exposures Most quotes can be completed the same day by phone or email for straightforward accounts, allowing you to meet tight client deadlines. Underwriting Notes and Minimum Premiums Underwriting is account-specific. Minimum premiums vary based on account size, commodities, transit patterns, and requested limits. TCB’s underwriting team offers flexibility and will work with you to structure terms that reflect the client’s exposure. We have broad market access to place more difficult or specialty risks. Territories and Availability This contingent cargo program is available in most U.S. jurisdictions. Coverage is currently offered in: 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, and WY. Please confirm state eligibility for each submission. Why Work With TCB Insurance Programs, LLC? As a wholesale broker, TCB provides specialized transportation underwriting and fast, service-oriented support. Our strengths include: Dedicated cargo expertise and familiarity with contingent exposures Quick turnaround on quotes and filings to keep your deals moving Access to a variety of carrier markets for flexible placement options Ability to handle new ventures and complex niche risks For more information about our Contingent Motor Truck Cargo Insurance, visit our website www.tcbinspro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freight brokers, freight forwarders, specialty haulers, and new transportation ventures that require contingent cargo protection when the motor carrier’s coverage is missing or inadequate. Can you provide coverage for new transportation businesses?Yes. TCB welcomes new ventures and can provide contingent coverage even without prior insurance history, subject to underwriting review. Do you offer filings for freight forwarders?Yes. We can complete the required DOT filings as part of the contingent cargo offering to help your forwarder clients remain compliant. What is the typical turnaround time for a quote?For standard accounts, most quotes can be turned around the same day by phone or email. Complex or high-limit submissions may require additional underwriting time. Is the program available nationwide?Coverage is available in most U.S. states; please refer to the program’s state availability to confirm eligibility for a specific account. Need help placing an account? Connect with a market specialist.

... up of service vehicles, delivery trucks, and mixed fleet operations. Ideal A... with prior auto coverage. Are heavy trucks and tractors eligible?Yes. Heavy or extra-heavy trucks and tractors are eligible when the...

Non-Trucking Liability Insurance for Truckers from TCB Insurance Programs. INDIVIDUAL & GROUP RATES ARE AVAILABLE MONTHLY PAY AVAILABLE FOR GROUP PROGRAMS Overview of the Program from TCB Insurance Programs TCB Insurance Programs offers a specialized Non-Trucking Liability Insurance program designed to help agents and brokers place coverage for truckers when their vehicles are not engaged in for-hire operations. This coverage is essential for protecting owner-operators and leased drivers during personal use or when their truck is not under dispatch. With access to various carriers and flexible pricing options, including both individual and group rates, TCB can help you serve clients with different operational profiles. Monthly payment plans are available for group programs, making this a practical solution for fleets needing off-duty liability protection. Even though this is a non-admitted program, TCB works with reputable markets to deliver reliable coverage solutions tailored to the trucking industry. Ideal Accounts and Appetite This program is designed for owner-operators and drivers leased to regulated motor carriers who need liability protection when their rigs are not being used for commercial purposes. Typical insureds include: Truckers under permanent lease to a motor carrier Owner-operators who use their truck for personal reasons when not under dispatch Groups or fleets seeking non-trucking coverage for multiple drivers Example: You might have an owner-operator client who parks his truck at home on weekends and occasionally uses it for personal errands. This program offers the liability protection they need during those off-duty hours. Coverage Highlights and Advantages Protects against liability during non-dispatch, non-business use Covers return trips to the original garage or dispatch point Group and individual pricing options available Monthly billing available for group accounts Access to multiple markets for competitive terms Underwriting Notes and Minimum Premiums Minimum premiums vary by risk class, geography, and number of vehicles covered. TCB Insurance Programs works closely with brokers to assess each submission and identify the most appropriate market. While submission requirements may vary, having complete driver information and lease agreements can help speed up the quoting process. Territories and Availability This program is available in nearly all 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, and WY. TCB can help place risks across a wide geographic footprint, making them a strong partner for multi-state or national books of business. Why Work with TCB Insurance Programs As a wholesale broker with deep experience in the transportation sector, TCB Insurance Programs offers brokers access to a broad range of markets for Non-Trucking Liability Insurance. Their flexible payment options, responsiveness, and ability to handle both individual and group accounts make them a trusted resource for transportation-focused agents. For more information about our Non-Trucking Liability Insurance program, visit our website at www.tcbinspro.com. Frequently Asked Questions What types of accounts are a good fit for this Non-Trucking Liability Insurance program?This program is ideal for owner-operators and drivers leased to motor carriers who need liability protection during personal use or off-dispatch time. Is this program available nationwide?Yes, it is available in most states across the U.S., including all major trucking states such as CA, TX, FL, and NY. Are group rates available for fleets?Yes, both individual and group rates are offered. Group programs also qualify for monthly billing options to improve cash flow. What information is needed to get a quote?Basic driver information, lease agreements, and vehicle details are typically required. Complete submissions help ensure faster turnaround. Is this an admitted insurance program?No, this is a non-admitted program. However, TCB works with reputable carriers to provide reliable coverage solutions. Need help placing an account? Connect with a market specialist.

Truckers Commercial General Liability Insurance (Truckers GL Coverage) – Application: ACORD 125 & 126 Truckers General Liability Insurance Program from TCB Insurance Programs TCB Insurance Programs, LLC offers a specialized Truckers General Liability (GL) program designed for independent agents and brokers placing coverage for motor carriers and owner-operators. This program fills gaps left by auto liability and motor truck cargo policies by addressing liability exposures that arise from trucking operations off the vehicle — for example, loading/unloading, premises exposures, and incidental operations. Ideal Accounts and Target Risks This program works well for a range of trucking operations, from single-owner operators to small and mid-sized fleets. Typical fits include: For-hire truckers operating regionally or nationwide Owner-operators who must satisfy contractual GL requirements Motor carriers seeking protection for loading/unloading, premises liability, and incidental business operations It is suitable for clients hauling general freight, dry goods, or operating in niche segments where auto liability alone does not address third-party exposures away from the vehicle. Coverage Highlights and Limits Truckers General Liability covers third-party bodily injury, property damage, and personal/advertising injury that occur outside the scope of auto operation. Standard limits and features offered through this program include: General Aggregate Limits: $1,000,000 / $2,000,000 / $3,000,000 Each Occurrence: $1,000,000 Personal & Advertising Injury: $1,000,000 Fire Damage: $50,000 Medical Expense Limit (each person): $5,000 Medical Expense Limit (aggregate): $25,000 Underwriting Notes and Premiums The program offers flexible rating to accommodate small fleets and growing accounts. A sample structure is: $1M/$1M Limits: $500 minimum premium (covers up to 3 units) Each additional unit (4–10): $80 per unit Each unit beyond 10: $60 per unit $1M/$2M Limits: $600 minimum premium with incremental unit increases. TREA is calculated at 5% of the base premium. Rates shown do not include taxes or fees and remain subject to underwriting review. Contact TCB Insurance Programs for pricing on $3M aggregate limits and for tailored quotes on larger or more complex accounts. Program Availability This Truckers GL program is placed on a non-admitted basis through various carriers and is available in most U.S. 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 Why Place Truckers GL with TCB Insurance Programs As a wholesale broker, TCB Insurance Programs combines deep trucking market knowledge with access to multiple non-admitted carriers. Agents benefit from: Experience placing hard-to-write trucking risks and owner-operators Flexible rating and unit-based pricing for small fleets Responsive underwriting that understands trucking-specific exposures (loading/unloading, premises, third-party operations) Ability to provide contractual liability solutions when standard markets decline Example scenarios where this program is a strong fit: you have a regional for-hire fleet that needs GL limits to meet shippers’ contracts, or an owner-operator who requires GL to complement their auto and cargo policies. For both, TCB can help place coverage and provide competitive terms where available. For more information about our Truckers General Liability Insurance program, visit our website at www.tcbinspro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for for-hire truckers, owner-operators, and small to mid-sized motor carriers that need general liability protection beyond auto coverage. What exposures does Truckers GL Insurance cover?It covers liability for third-party bodily injury, property damage, and personal injury arising from operations not directly involving the truck, such as loading/unloading and premises liability. What is the minimum premium for this program?Minimum premiums start at $500 for $1M/$1M limits covering up to three units. Additional unit pricing applies based on fleet size and limit selection. Is this program available in my state?This program is available in most U.S. states listed on this page. Contact TCB Insurance Programs to confirm availability in a specific state or to discuss market options. Are the policies admitted or non-admitted?Policies are placed on a non-admitted basis through various carriers. Need help placing an account? Connect with a market specialist.

TCB Insurance Programs is proud to offer a specialized Contingent Auto Liability Insurance program designed to complement our Contingent Motor Truck Cargo Insurance. This program is tailored for agents and brokers placing coverage for logistics, freight forwarding, and transportation clients who face complex liability exposures due to subcontracted or brokered transportation services. Overview of the Program From TCB Insurance Programs Our Contingent Auto Liability Insurance program provides protection for logistics companies, freight forwarders, and brokers when a hired or contracted motor carrier is involved in an accident and their primary coverage fails or is insufficient. This coverage helps address gaps in liability when the contracting party could be held responsible due to vicarious liability or negligent hiring. Ideal Accounts and Appetite This program is ideal for: Freight brokers and logistics firms that subcontract transportation Freight forwarders requiring DOT filings Transportation companies that rely on owner-operators or third-party trucking companies You might have a client who brokers freight but doesn't own any vehicles — this is a great fit. Another example is a freight forwarder who needs liability protection in case a contracted carrier causes damage or injury during transit. Coverage Highlights and Advantages Program Highlights of our Contingent Auto Liability Insurance: Lower minimum premium than many competing programs (starting at $2,500) Monthly reporting for easy policy management Higher commissions available for volume producers Straightforward administration process DOT filings available for freight forwarders Very competitive rates through various carrier partners Underwriting Notes and Minimum Premiums With a minimum premium of $2,500, this non-admitted program offers agents a competitive way to place hard-to-insure transportation and logistics clients. TCB Insurance Programs works closely with appointed agents to review accounts efficiently and transparently. Volume-driven producers may also benefit from enhanced commission structures and streamlined servicing. Territories and Availability This program is available on a non-admitted basis in the following states: 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. Why Work With TCB Insurance Programs TCB Insurance Programs is a wholesale broker with deep expertise in the transportation and cargo insurance space. We understand the unique needs of freight brokers, logistics providers, and forwarders. Our team is committed to offering responsive service, competitive pricing, and flexible underwriting solutions. By working with us, you gain access to diverse carrier markets and a program designed to grow with your book. Contact us today for more details. For more information about our Contingent Auto Liability Insurance Program visit our website www.tcbinspro.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freight brokers, freight forwarders, and logistics providers who subcontract transportation services and need protection from liability exposures tied to contracted carriers. Is this program available on an admitted basis?No, the Contingent Auto Liability Insurance program is offered on a non-admitted basis across all available states. What is the minimum premium for this coverage?The minimum premium starts at $2,500. Actual premiums will vary based on account size, operations, and risk profile. Are DOT filings available under this program?Yes, DOT filings can be provided for freight forwarders when required. What commission options are available to agents?Higher commissions may be available for agents who produce larger volumes. Contact TCB Insurance Programs for more details on commission structures. Need help placing an account? Connect with a market specialist.

New Workers Compensation Insurance Program From Phoenix Risk Management Phoenix Risk Management offers a flexible and competitive Workers Compensation Insurance Program designed for a wide range of industries and business types. Available in most states, this program is backed by a national “A” rated carrier and provides broad underwriting flexibility to help you place hard-to-fit accounts or emerging businesses with confidence. Ideal Accounts and Appetite This program is ideal for small to mid-sized businesses with at least $250,000 in payroll in the governing class code. Phoenix Risk Management welcomes a variety of industries, including new ventures, staffing agencies, and trucking operations—with specific underwriting thresholds for each. Staffing Companies: Minimum premium of $15,000 with a mandatory deductible. Trucking Companies: $25,000 minimum premium for accounts with no owner-operators. $50,000 minimum premium for accounts with up to 15% owner-operators. General Business Accounts: Must have a loss ratio between 40%–60% over the past three years. You might have a client with a growing manufacturing operation or a newly launched staffing firm—both could be a strong fit under this program’s flexible underwriting approach. Coverage Highlights and Advantages No class code restrictions – Underwriting is open to a wide range of industries. Pay-as-you-go payroll reporting – Helps insureds better manage cash flow. Deductible options – Starting as low as $1,000 per claim, with no collateral required for deductibles under $10,000. New ventures accepted – Ideal for clients launching new operations. No financials or deposits required – The only upfront cost is the first month’s payroll report. Underwriting Notes and Minimum Premiums Minimum Payroll: $250,000 in the governing class code. Minimum Premiums: As low as $2,000 depending on the account. Loss History: Preferred loss ratio between 40%–60% over the last three years. Deductibles: Available with no collateral under $10,000. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, OH, and WA. A full list of participating states includes: 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. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in workers compensation placement. Their streamlined underwriting process, access to top-rated carriers, and flexible program design make them an excellent partner for brokers and agents looking to place a variety of WC risks. With no financials or deposits required and a national “A” rated carrier backing the coverage, this program allows you to confidently serve your clients’ workers compensation needs. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include businesses with at least $250,000 in payroll in their governing class code, new ventures, and companies with a loss ratio between 40%–60% over the past three years. Staffing and trucking companies may also qualify with certain minimum premiums and underwriting requirements. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and many others. Please refer to the full state list or contact Phoenix Risk Management for eligibility in your area. Are there any financial requirements for submission?No financial statements are required. Additionally, no deposits are necessary—only the first month’s payroll report is needed to initiate coverage. Can new ventures apply for coverage under this program?Yes, new ventures are acceptable and welcomed under this program, provided they meet the minimum payroll and other underwriting criteria. What deductible options are available?Deductibles start as low as $1,000 per claim. No collateral is required for deductible options under $10,000. Need help placing an account? Connect with a market specialist.