https://completemarkets.com/company/tcbinspro/Truckers-Physical-Damage-Coverage/
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.