Non-Trucking Liability Insurance for Truckers
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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.