Coverages
Commercial Auto
Commercial Auto Liability for transportation is the core policy intended to protect damages to property and injuries to others while on the road. All transportation risk operating in the United States are required by Federal law to carry proof of primary commercial auto liability.
TCCI offers Primary Limits of $300,000, $500,000 and $1 million to meet the Federal Highway Administration minimum requirement.
Uninsured / Underinsured Motorists
Commercial Auto Liability for transportation is the core policy intended to protect damages to property and injuries to others while on the road. All transportation risk operating in the United States are required by Federal law to carry proof of primary commercial auto liability.
TCCI offers Primary Limits of $300,000, $500,000 and $1 million to meet the Federal Highway Administration minimum requirement.
Physical Damage
Physical Damage coverage offers 24-hour collision coverage for damages to your tractor or trailer. Physical Damage Coverage protects your truck if it is damaged by a natural disaster, accident, fire, hail, vandalism or stolen. Most polices will allow you to build a policy for your unique needs with:
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Collision and either specified perils or comprehensive coverage
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A range of deductible options
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A variety of endorsements, including Towing, Storage and Loan Gap Coverage
Motor Truck Cargo
Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker.
It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.
Umbrella
Most risk managers require truckers to insure the cargo they are hauling. Truckers meet the requirement with Motor Truck Cargo (MTC) insurance. MTC provides coverage for the freight or commodity hauled by a for-hire trucker, subject to standard policy exclusions and limitations. Motor Truck Cargo Insurance is a guarantee that your clients goods will arrive safely to their destination. It protect against theft and damages and also covers cargo that is stolen, broken or lost items during transporation.
Workers' Compensation
Workers’ compensation insurance is defined as small business insurance that provides protection for employee injuries and illnesses, and limits liabilities for business owners.
How does workers’ compensation protect your business?
Workers’ compensation insurance provides a non-judicial alternative for employees seeking compensation for their work-related injuries or illnesses. Instead of having to defend yourself in court, you can use workers’ compensation insurance to pay for the costs resulting from an employee job-related illness or injury. These include:
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Hospital and physician services
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Prescription drugs
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Rehabilitation therapy
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Lost wages (when a disability prevents employees from returning to work)
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Legal expenses (if an employee sues you for the incident)
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Death benefits for surviving family members if the employee dies
We can protect your most important asset ... your Drivers!. We can work with your company to protect a single Independent Contractor or direct employees. We are focused on getting drivers well and return them to work as quickly as possible.
Occupational Accident
Occupational Accident coverage is similar to workers’ compensation but has some limits that workers’ compensation does not have…Occupational Accident Insurance (OCC ACC) includes medical, disability, death and dismemberment benefits for accidents that occur on the job.
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Flexible policies offer you a wide range of limits
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Available for accounts of all sizes
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Generous Disability Calculations that help drivers save on out-of-pocket costs
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Passenger Accident and Non-Occupational coverages on select plans
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Bundle with other coverages
We can customize your coverage with a variety of options available to provide even more protection: occupational disease, hernia, occupational cumulative trauma, emergency evacuation and more.
There are a lot of risks on the road. Your truck could be damaged in an accident or from fire, hail or other natural disasters. It could be stolen or vandalized. Any of these issues could put your truck out of commission.
