Операторам, которые работают под управлением третьих лиц

Если вы — собственник-оператор, который работает под управлением третьего лица/компании, вам понадобятся следующие покрытия:

Автогражданская Ответственность в Нерабочее Время (Non-Truck Liability)

Этот вид страхования применяется к тем промежуткам времени, когда вы используете грузовик для личных нужд, находитесь в родном штате и не работаете, например, выезжаете за покупками или на спортивное мероприятие. Это покрытие защищает вас во время перерывов в основном страховании автогражданской ответственности, которое вам обеспечивает автотранспортная компания. Автогражданская ответственность в нерабочее время перед третьими лицами не покрывает вас, если вы перевозите груз или командированы вашим перевозчиком в другой штат.

Покрытие Физического Повреждения (Physical Damage)

Обычно предлагаются и приобретаются два вида покрытия:
Покрытие столкновения – возмещает повреждения вашего грузовика, вызванные дорожно-транспортным происшествием (независимо от виновника).
Полное покрытие – возмещает повреждения вашего автомобиля, вызванные инцидентами, отличными от столкновения, например: пожаром, вандализмом, падением предметов и кражей.

При покупке покрытия физического ущерба тщательно оценивайте состояние ваших грузовиков и определяйте их рыночную стоимость, чтобы наши агенты могли помочь вам приобрести покрытие с надлежащими лимитами.

Эксплуатация под собственным управлением

Если вы эксплуатируете транспортное средства под собственным управлением (у вас есть номер DOT), вам потребуются следующие покрытия:

Коммерческая Автогражданская Ответственность (Commercial Auto Liability)

Это обязательное покрытие, которое применяется к травмам и ущербу, вызванным вашей небрежностью. Речь идет, например, о ремонте другого транспортного средства или боли и страданиях, причиненных пешеходу или водителю другого транспортного средства. Если вы – наемный водитель грузовика, большинство перевозчиков потребуют от вас покрытия с лимитом в $1,000,000. Страхование гражданской ответственности необходимо для того, чтобы страховые компании обеспечивали ваши обязательства на федеральном, государственном и местном уровнях.

Автотранспортное Страхование Груза (Motor Truck Cargo)

Commonly referred to as cargo, this coverage provides protection to the freight or commodities hauled in your truck if it was damaged due to a motor vehicle accident or natural disaster. Majority of car haulers will have different limit requirements depending on number of vehicles that can be hauled at the time and type of vehicles hauled. Usually if you are hauling more than four new luxury or even one exotic vehicle you will need a minimum of $250,000 to $500,000 of cargo coverage with higher limits warranted if applicable. Used and/or damaged auto haulers usually need limits of $100,000 to $250,000.

Гражданская Ответственность (General Liability)

Это покрытие защищает от травм и имущественного ущерба, причиненного другим сторонам в результате деятельности, которая прямо не связана с эксплуатацией грузовика. Речь идет, например, об инциденте, когда клиент поскользнулся и упал на вашей территории, или о небрежных действиях вашего водителя во время выполнения ваших операций (за исключением дорожно-транспортных происшествий).

Недостаточно Застрахованные Автомобилисты (Underinsured Motorist)

Это покрытие обеспечивает компенсацию за травмы, полученные в результате дорожно-транспортного происшествия по причине неосторожности недостаточно застрахованной стороны. Недострахованная сторона — это лицо, чьи лимиты автогражданской ответственности меньше, чем размер вашей претензии.

Незастрахованные Автомобилисты (Uninsured Motorist)

Это покрытие применяется для компенсации за травмы, полученные в результате дорожно-транспортного происшествия по причине неосторожности незастрахованного лица.

Медицинские расходы

В зависимости от штата это покрытие может применяться для компенсации ваших медицинских расходов и/или медицинских расходов пешехода вследствие дорожно-транспортного происшествия.

Наши Последние Успешные Истории:

March 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Car hauler, liability, physical damage and cargo $9,400
Illinois Non truck liability, physical damage for brand new truck, new venture with at fault accident $7,800
Pennsylvania Cargo van, liability, cargo, physical damage and general liability $7,300
Ohio Refrigerated goods, small fleet with elevated safety and prior claims, liability, cargo and physical damage for newer truck $21,700
Pennsylvania Non truck liability, physical damage for newer truck $2,300
Florida Physical damage for a new truck $5,900
Pennsylvania Dry van, new venture, liability, trailer interchange, general liability and cargo $11,500
Ohio Dry van,  amazon hauler with OOS, liability, trailer interchange, general liability and cargo $12,900
New Jersey Car haulers, hotshot operations auto liability and motor truck cargo $16,100
Ohio Dry van, auto liability, cargo, physical damage, trailer interchange and general liability $11,110
North Carolina Dry van, small fleet, liability and cargo $12,000

February 2023

STATE CLIENT’S CASE PRICE PER TRUCK
New Jersey Auto liability for reefer with below average safety scores and driver violation $14,500
Ohio Small fleet with young drivers, auto liability, cargo, trailer interchange and general liability $13,400
Pennsylvania Car haulers, hotshot, small fleet, auto liability and cargo $10,600
New Jersey Cargo van,  physical damage and motor cargo $7,500
Michigan Non truck liability and physical damage for new tractor trailer $5,700
Illinois Auto liability and motor truck cargo for a new venture $9,100
Pennsylvania Refrigerated goods hauling, small fleet, liability cargo and physical damage $16,000
Pennsylvania Dry van, small fleet, auto liability and cargo $11,100
Ohio Cargo van,  physical damage and motor cargo $5,800
Texas Non truck liability and physical damage for a newer tractor and trailer $5,700
Pennsylvania Car hauler, owner operator, auto liability, cargo and physical damage $15,100

January 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Maryland Refrigerated goods, small fleet, liability, cargo and physical damage $12,600
New Jersey Car hauler,  liability and cargo $12,950
Pennsylvania Dry van, liability, cargo and physical damage $11,200
Illinois Liability, cargo, trailer interchange and general liability $12,000
New Jersey Car hauler,  new venture, liability and cargo $16,800
Ohio New venture, dry van/amazon, liability, cargo, general liability and trailer interchange $14,800
Pennsylvania Car hauler, new venture, liability, cargo and physical damage $15,000
Texas Dry van, liability, cargo and general liability $10,900
Ohio Flatbed, liability and general liability $11,200
New Jersey Refrigerated goods, small fleet, liability, cargo and physical damage $14,300
Ohio New venture, dry van,  liability, cargo, general liability, physical damage and trailer interchange $19,200

December 2022

STATE CLIENT’S CASE PRICE PER TRUCK
New Jersey Cargo van, new venture, liability, cargo and physical damage $8,700
Pennsylvania Refrigerated goods hauling, liability, physical damage, cargo with reefer breakdown $11,200
Ohio Dry van, Amazon hauler, liability, cargo, trailer interchange and general liability $9,900
Pennsylvania Car hauler, liability, cargo and physical damage $14,300
New Jersey Cargo van, liability, cargo, physical damage and general liability $3,400
Maryland Non truck liability and physical damage for high value truck $6,800
Ohio Flatbed, auto liability, cargo and physical damage $11,700
Pennsylvania Car hauler, hotshot, liability, cargo and physical damage $7,400
California Dry van, auto liability $10,100
Ohio Dry van, hauling for Amazon, liability, cargo, general liability and trailer interchange $11,400
Tennessee Dry van, auto liability, cargo, physical damage, trailer interchange and general liability $13,600
Pennsylvania Refrigerated goods, established fleet, liability, cargo with reefer breakdown $4,600

November 2022

STATE CLIENT’S CASE PRICE PER TRUCK
Illinois Dry van, amazon haulers, liability, cargo, trailer interchange and general liability $11,900
Pennsylvania Dry van haulers, liability, cargo, trailer interchange and general liability $13,800
Maryland Refrigerated goods trucker, liability, physical damage and cargo with refrigeration breakdown $13,500
Pennsylvania Physical damage for newer truck and non truck liability $3,600
Tennessee Dry van, small fleet, new venture, liability, cargo, trailer interchange and general liability $12,200
New Jersey Dry van truckers, small fleet, with claims, liability cargo, physical damage and trailer interchange $19,800
Ohio Dry goods, long hauler trucker, auto liability only $11,600
Pennsylvania Car hauler — 9 cars, liability, cargo at $250,000 and physical damage for a brand new truck and trailer $14,500
Illinois Dry van with accidents, liability, cargo, trailer interchange and general liability $18,200
Pennsylvania Cargo van, driver with violations, liability, cargo, physical damage and general liability $9,800

October 2022

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Car hauler, full coverage, liability, cargo, physical damage, hotshot operations, owner operator $13,600
Illinois New venture, dry van, liability and cargo coverage $15,500
North Carolina Non truck liability and physical damage for new truck (stated value over $150,000) $3,700
New Jersey Car hauler, liability, physical damage, cargo $21,300
Pennsylvania Refrigerated goods hauling, Occupational Accident insurance policy with out of state drivers, rate per driver/per year $1,200
Ohio New venture, out of state drivers, primary liability $10,900
Illinois Small fleet, dry goods haulers, liability, cargo and trailer interchange $9,300
North Carolina New venture, refrigerated goods hauling, liability, physical damage, trailer interchange and cargo with reefer breakdown $17,600
Pennsylvania Cargo van operator, full coverage, liability, physical damage, cargo and general liability $5,700
Tennessee Dry goods haulers, new venture, primary liability $11,300
Pennsylvania Flatbed operator, liability, physical damage, cargo $9,100

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Страховые компании, с которыми мы работаем:

Accelerant Specialty Ins Co
Accredited Specialty Insurance Company
ACE Westchester Specialty Group
Agency Insurance Company (AIC)
AIG
Align General
Allied World Surplus Lines Insurance Company
American Empire
American Inter Fidelity Exchange
American Safety
A-One Commercial Insurance
Arch Specialty
Ascot Group
Aspen American Insurance
Atlantic Casualty Insurance Company
Bell & Clements LTD
Berkley Insurance Group
Berkley Prime
Berkley Small Business
Berkshire Hathaway
Bishopsgate
Canal Insurance
Canopius
Carolina Casualty
Century Insurance Group
Certain Underwriters at Lloyd’s
Chubb
Clearblue
CNA
County Hall Insurance
Crum & Foster
DB Insurance
Drive New Jersey Insurance Company
Eastern Atlantic Insurance Company
Endurance Specialty

Everest
Everspan Indemnity Insurance Co
Fairmatic
Falls Lake National Insurance
First Chicago Insurance Co
Fortegra
Freberg
GEICO
General Star
Golden Bear Insurance
Great American Insurance
Great Lakes Insurance SE
Hallmark
Harco Insurance Services
Hartwell Insurance Co
Hiscox
Hudson Insurance Group
IAT Insurance Group
James River Insurance Group
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance
Liberty Mutual
Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
Munich Re
National Casualty
National General Insurance
National Liability & Fire Insurance Co
Navigators
NEXT
NICO
Nirvana
Northfield Insurance

Northland Insurance
Obsidian
Occidental Fire and Casualty
Old Republic Union Insurance
Palomar Insurance
Pan American
Philadelphia Insurance Companies
PMA Companies
Prime Insurance
Progressive
Rivington
RLI
Scottsdale Insurance
Seneca Insurance Company
Shepherd Compello
Sierra Specialty Insurance Company
Star Mutual RRG
Starstone
Striker
Third Coast
Travelers Commercial Casualty Company
Trisura Specialty Insurance
United Financial Casualty
United National Insurance Co
United Specialty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
Westchester
White Pine Insurance
Work Partners
XL
Zurich

  • Accelerant Specialty Ins Co
  • Accredited Specialty Insurance Company
  • ACE Westchester Specialty Group
  • Agency Insurance Company (AIC)
  • AIG
  • Align General
  • Allied World Surplus Lines Insurance Company
  • American Empire
  • American Inter Fidelity Exchange
  • American Safety
  • A-One Commercial Insurance
  • Arch Specialty
  • Ascot Group
  • Aspen American Insurance
  • Atlantic Casualty Insurance Company
  • Bell & Clements LTD
  • Berkley Insurance Group
  • Berkley Prime
  • Berkley Small Business
  • Berkshire Hathaway
  • Bishopsgate
  • Canal Insurance
  • Canopius
  • Carolina Casualty
  • Century Insurance Group
  • Certain Underwriters at Lloyd’s
  • Chubb
  • Clearblue
  • CNA
  • County Hall Insurance
  • Crum & Foster
  • DB Insurance
  • Drive New Jersey Insurance Company
  • Eastern Atlantic Insurance Company
  • Endurance Specialty
  • Everest
  • Everspan Indemnity Insurance Co
  • Fairmatic
  • Falls Lake National Insurance
  • First Chicago Insurance Co
  • Fortegra
  • Freberg
  • GEICO
  • General Star
  • Golden Bear Insurance
  • Great American Insurance
  • Great Lakes Insurance SE
  • Hallmark
  • Harco Insurance Services
  • Hartwell Insurance Co
  • Hiscox
  • Hudson Insurance Group
  • IAT Insurance Group
  • James River Insurance Group
  • Knight Specialty Insurance
  • Lancer Insurance
  • Lexington Insurance
  • Liberty Mutual
  • Lloyds of London
  • Maxum Indemnity
  • Milford Casualty Insurance
  • Munich Re
  • National Casualty
  • National General Insurance
  • National Liability & Fire Insurance Co
  • Navigators
  • NEXT
  • NICO
  • Nirvana
  • Northfield Insurance
  • Northland Insurance
  • Obsidian
  • Occidental Fire and Casualty
  • Old Republic Union Insurance
  • Palomar Insurance
  • Pan American
  • Philadelphia Insurance Companies
  • PMA Companies
  • Prime Insurance
  • Progressive
  • Rivington
  • RLI
  • Scottsdale Insurance
  • Seneca Insurance Company
  • Shepherd Compello
  • Sierra Specialty Insurance Company
  • Star Mutual RRG
  • Starstone
  • Striker
  • Third Coast
  • Travelers Commercial Casualty Company
  • Trisura Specialty Insurance
  • United Financial Casualty
  • United National Insurance Co
  • United Specialty
  • UPMC
  • USLI
  • Valley Forge Insurance
  • Wesco Insurance
  • Westchester
  • White Pine Insurance
  • Work Partners
  • XL
  • Zurich