Operations this guide may include
- Motor carriers pulling non-owned trailers
- Drop-and-hook, terminal, and interchange operations
- Dry van, refrigerated, flatbed, chassis, and specialized trailers
- Owner-operators and fleets working under shipper or carrier agreements
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- Is there a written trailer interchange agreement, lease, or other contract?
- How many non-owned trailers may be in the carrier's possession at once?
- What are the trailer types, ages, maximum values, and special equipment?
- Where are trailers picked up, stored, dropped, inspected, and reported damaged?
Coverage topics to discuss
Trailer interchange
Potential physical-damage protection for qualifying non-owned trailers used under a covered written agreement.
Non-owned trailer physical damage
An alternative coverage structure that may apply in situations without a traditional interchange agreement.
Deductibles and maximum values
Limits should reflect the highest trailer value and the number of units potentially in the carrier's control.
Cargo and liability
Damage to a trailer is separate from cargo loss and liability arising from vehicle operation.
Information worth preparing
- Interchange, lease, shipper, and motor-carrier agreements
- Trailer-type, count, average-value, and maximum-value details
- Inspection, pickup, storage, drop, and damage-reporting procedures
- Requested limits, deductibles, current insurance, and trailer-related loss history
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