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...es: Light trucks Dump trucks Box trucks Tractor-trailers Dually pickups with 5th wheel connections Tow trucks Eligible Classes Include: Auto ha... risks, including auto haulers, dump trucks, fuel haulers, contractor vehicles...

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

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...

...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.

TCB Insurance Programs, LLC offers a flexible and comprehensive Excess Motor Truck Cargo Insurance program designed to meet the unique needs of transportation and logistics clients. As a trusted wholesale broker, TCB works with various carriers to provide tailored solutions for brokers and agents seeking excess cargo coverage for their insureds. Overview of the Program from TCB Insurance Programs Our Excess Motor Truck Cargo Insurance program is available on both an annual and per-trip or project basis, giving you the flexibility to meet your clients’ operational needs. Whether your insured is hauling high-value, specialized freight or operating under contracts that require elevated limits, we can help you secure the excess coverage they need. Ideal Accounts and Appetite We provide coverage for all commodity classes, making this program suitable for a wide variety of clients in the transportation and logistics industry. Ideal accounts include: Freight companies hauling high-value electronics or pharmaceuticals Specialty haulers transporting oversized machinery or industrial equipment Logistics providers with contractual requirements for high-limit cargo coverage Whether your client is a long-haul carrier, last-mile delivery provider, or operates under government or commercial contracts, our program has the flexibility to meet their cargo insurance needs. Coverage Highlights and Advantages Excess Motor Truck Cargo Insurance available up to $10,000,000 in limits Coverage available on an Annual, Trip, or Project basis Eligible for all types of commodities Non-admitted placement with access to multiple markets Customizable solutions for complex or high-value shipments You can count on TCB to help you find the right solution even when your client has unique or hard-to-place exposures. Underwriting Notes and Minimum Premiums Our minimum premium starts at $500, allowing for cost-effective placement of excess cargo coverage for both small and large accounts. Underwriting is handled on a case-by-case basis, with attention to the insured’s operations, loss history, commodities hauled, and required limits. Territories and Availability We are proud to offer our Excess Motor Truck Cargo Insurance program 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 has built a reputation for providing responsive service and creative insurance solutions in the transportation segment. As a wholesale broker, we give you access to a range of carriers and underwriting options to help you secure the most competitive and appropriate coverage for your clients. Our team understands the nuances of cargo exposures and works closely with agents to deliver fast turnaround and expert support. For more information about our Excess 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 program?Accounts that haul high-value, specialized, or contractually sensitive cargo are ideal. This includes freight companies, logistics providers, and specialty haulers. Is this program available for one-time trips or projects?Yes, coverage is available on a trip or project basis in addition to annual policies, offering flexibility to meet short-term or unique needs. Are there restrictions on the types of commodities covered?No, the program is open to all commodity classes, making it suitable for a wide range of cargo types. What is the minimum premium for this program?The minimum premium starts at $500, depending on the risk profile and coverage structure. In which states is this program available?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please refer to the full list above for details. 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.