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TCB Insurance Programs offers a responsive, market-ready Truckers Physical Damage solution for agents placing standalone or fleet physical damage on owned commercial units. Whether you represent a single owner-operator or a national fleet, TCB combines underwriting expertise and broad non-admitted market access to help you secure coverage quickly and competitively. Our program supports both Fire, Theft & CAC (Collision and Comprehensive) and full Comprehensive forms. We write local, regional, and long-haul operations and can accommodate a wide range of truck and trailer types—so long as the physical damage coverage is needed for owned equipment. This offering is designed specifically for independent agents and brokers seeking a capable wholesale partner for physical damage placements in the transportation space. Ideal Accounts and Appetite TCB can place accounts across the spectrum—from a start-up owner-operator with one truck to established fleets up to 1,000 units. Our markets write many trucking classes, including: Long-haul and regional freight carriers Owner-operators and leased owner-operators Light- to heavy-duty fleet operations Refrigerated, dry van, flatbed, tanker, and other specialized equipment haulers Units may be scheduled individually or blanket-rated depending on the insured’s operations and reporting needs. Coverage Highlights and Advantages Key program features include: Choice of Fire, Theft & CAC or full Comprehensive forms Single-unit and fleet quotations Flexible deductible structures and valuation options (ACV, stated value, agreed value where available) Coverage for attached equipment and permanently installed accessories Ability to place standard and harder-to-place physical damage risks via multiple non-admitted markets Example scenarios where this program fits: An agent needs same-day physical damage terms for a newly purchased tractor that must be placed on the road quickly. A carrier with multi-state operations wants to consolidate PD coverage for several hundred owned units under consistent forms and valuation choices. Underwriting Notes and Minimum Premium TCB works with a panel of non-admitted carriers to maintain flexibility on underwriting and pricing. Appetite, deductibles, and minimum premiums will vary by carrier, unit mix, geographic exposure, and coverage form selected. Provide vehicle schedules, valuations, loss runs (when available), and information about vehicle security and maintenance practices to speed placement and obtain the best terms. Territories and Availability This program is available in the following U.S. states and territories: 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. Availability may be subject to state regulatory requirements and individual carrier appetite. Why Work With TCB Insurance Programs? As a wholesale broker with deep transportation experience, TCB provides agents with: Access to multiple specialty non-admitted markets for flexible placement options Underwriters familiar with the operational and equipment exposures unique to trucking Responsive quoting and placement support tailored to retail agent workflows We focus on helping retail agents place and retain PD business by delivering timely quotes, practical underwriting solutions, and assistance with complex schedules or valuation questions. For a quote or more information on the Truckers Physical Damage Insurance program, visit our website www.tcbinspro.com or connect with a market specialist through our quote portal. Frequently Asked Questions What types of accounts are a good fit for this program?We place owner-operators, small fleets, and large trucking companies up to 1,000 owned units. Both new ventures and established operations are eligible, subject to individual carrier underwriting. What coverage forms are offered?We offer Fire, Theft & CAC forms and full Comprehensive forms. Deductible and valuation options are flexible and can be tailored to the insured’s needs. Are there restrictions on vehicle types?We routinely cover common freight equipment—dry vans, reefers, flatbeds, tankers—and many specialized units. Restrictions can apply for certain high-risk or custom equipment; provide details upfront for a fast assessment. In which states is this program available?The program is offered in most U.S. states and the District of Columbia. Specific availability and terms depend on carrier appetites and state regulations. Is this program admitted or non-admitted?This is a non-admitted program placed through a variety of specialty carriers, allowing broader underwriting flexibility for certain risks. Need help placing an account? Connect with a market specialist.

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

TCB Insurance Programs provides a comprehensive and competitive Motor Truck Cargo Insurance Program designed for a wide range of transportation risks. Whether your client is a new venture or a seasoned fleet operator, we offer flexible solutions to meet their cargo insurance needs. Our quick quote turnaround—often same-day by phone or email—allows you to respond quickly to your clients’ requests. Ideal Accounts and Appetite Our Motor Truck Cargo Insurance Programs are built to support various classes of transportation and cargo. We welcome accounts that include: New ventures entering the cargo transport industry Owner-operators and small to large fleets (1 to 1000+ units) Household goods movers Auto, boat, and RV haulers Refrigerated cargo haulers (including Reefer Breakdown coverage) Logistics firms requiring contingent cargo solutions This program is ideal for agents working with clients who haul general freight, temperature-sensitive goods, or high-value items. For example, if you have a client just starting an auto transport business or a firm that needs contingent cargo coverage with filings, we can help you place that business efficiently. Coverage Highlights and Advantages Limits available up to $10 million Reefer Breakdown coverage for temperature-controlled goods Contingent Cargo options, including those requiring federal/state filings Competitive rates with flexible underwriting Coverage available for a broad range of commodities We pride ourselves on offering one of the broadest and most adaptable Motor Truck Cargo Insurance programs in the industry. Our markets can accommodate both standard and hard-to-place risks. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and risk profile of the account. We work with a range of carriers to find the best fit, especially for new ventures or specialized haulers. Fast quote turnaround enables you to serve your clients quickly and efficiently. Territories and Availability Our Motor Truck Cargo Insurance Program is available in all 50 states, including DC. Regardless of your client's location—from California to New York, Florida to Alaska—we can help you find a solution that fits. Why Work With TCB Insurance Programs As a trusted wholesale broker, TCB Insurance Programs offers access to various carriers and specialty markets. We bring deep expertise in the transportation sector, allowing us to handle everything from simple mono-line cargo risks to complex fleet accounts with unique exposures. Our responsive service and flexible underwriting make us a reliable partner for agents and brokers looking to place Motor Truck Cargo Insurance. For more information about our Motor Truck Cargo Insurance Program, visit our website at www.tcbinspro.com. Frequently Asked Questions What types of accounts are a good fit for this Motor Truck Cargo Insurance Program?This program works well for new ventures, fleets of all sizes, household goods movers, auto/boat/RV haulers, and firms needing contingent cargo coverage. Can I get a quote the same day?Yes, most quotes can be completed by phone or email on the same day, depending on the account complexity and information provided. Are filings available for contingent cargo coverage?Yes, we offer contingent cargo coverage with required filings to meet federal and state regulations. What is the maximum cargo limit available?We can offer cargo limits up to $10 million, depending on the account and underwriting approval. Is this program available in all states?Yes, we can write business in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

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.

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