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...those running no more than three tractors. Accounts with clear cargo procedure...

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.

Metcom Excess - Trucking Insurance Since 1993, Metcom Excess has specialized in transportation insurance, delivering customized solutions for a wide range of trucking-related risks. Backed by over 40 years of combined underwriting experience, our team brings deep industry knowledge and responsive service to help you place accounts quickly and competitively. Whether your client operates local, intermediate, or long-haul routes, we have the markets and expertise to meet their needs. Overview of the Program From Metcom Excess Our Trucking Insurance program is designed to support independent agents and brokers looking to place coverage for commercial trucking operations across various distances and cargo types. We offer access to exclusive A-rated carriers and several in-house binding authority markets, allowing for fast turnaround on quotes and policy issuance. From business auto to public auto and fleet risks, Metcom Excess has the tools to help you succeed in the transportation space. Ideal Accounts and Appetite We write risks ranging from light trucks to tractor trailers, accommodating operations with local (0–100 miles), intermediate (101–300 miles), and long-haul (301+ miles) exposure. Our appetite includes both established operations and new ventures, with binding authority available for up to 10 units in-house. Eligible Classes Include: Auto Haulers Building Materials Transporters Contractor Vehicles Dairy Product Haulers (including milk) Dump Trucks Dually Pickups with 5th Wheel Connections Fuel Haulers Furniture Movers Grocery and Produce Haulers (including refrigerated units) General Freight Household Goods Movers Tow Trucks And more... If your client is just starting out or looking to expand their fleet, we can often consider new ventures as well. Coverage Highlights and Advantages In-house binding authority for up to 10 units Liability limits up to $1,000,000, with excess coverage available Flexible installment payment options Loss control training with company representatives Access to exclusive A-rated markets Our program helps your insureds manage key exposures such as liability, cargo, physical damage, and more—tailored to the unique risks faced by trucking and public auto operations. Underwriting Notes and Market Access Metcom Excess acts as both a Managing General Agency and an Excess & Surplus Lines Broker, giving us the flexibility to work with a wide array of markets and underwriting approaches. This allows us to offer solutions that fit both admitted and non-admitted scenarios, depending on the needs of the risk and state availability. Territories and Availability We currently write trucking risks in the following states: AZ, CT, DE, GA, IL, IN, MA, NJ, NY, NC, OH, PA, RI, SC, VA, WA, DC, and WI. Why Work With Metcom Excess? Metcom Excess stands out for our speed, service, and specialization in trucking insurance. Our team understands the urgency and complexity of transportation accounts and is committed to helping agents place business efficiently and confidently. Whether you have a small local hauler or a growing fleet with multi-state exposure, we have the tools to help you deliver value to your clients. Experience the Metcom difference—where knowledgeable underwriting, competitive pricing, and responsive service come together to support your success in the trucking sector. Frequently Asked Questions What types of accounts are a good fit for this trucking program?We target a wide range of trucking operations including auto haulers, dump trucks, fuel haulers, grocery haulers, and general freight carriers. Both new ventures and seasoned operators are eligible. What is your in-house binding authority limit?We can bind up to 10 units in-house, making it easy to quickly place small to mid-sized fleets. Do you offer coverage for long-haul trucking?Yes, our program supports local, intermediate, and long-haul trucking exposures, with flexible options based on radius of operation. Which states is the program available in?We write business in AZ, CT, DE, GA, IL, IN, MA, NJ, NY, NC, OH, PA, RI, SC, VA, WA, DC, and WI. Can you consider new venture trucking operations?Yes, new ventures are considered depending on the risk profile and underwriting details provided. Need help placing an account? Connect with a market specialist.

...perty – Covers tools, equipment, tractors, and other machinery. Dwelling and...