Start with how the operation runs
A dry-van submission should show authority, tractors, trailers, drivers, commodities, maximum cargo values, radius, mileage, brokers, shippers, parking, security, and maintenance.
Coverage areas to review
- Commercial auto liability and physical damage based on the vehicles and operation
- Motor truck cargo or transported-property protection based on commodities and custody
- General liability and other operational protection where applicable
- Workers' compensation, occupational accident, or umbrella protection as appropriate
Information to prepare
- Tractor, trailer, driver, ownership, value, and financing schedules
- Commodities, exclusions, maximum load values, radius, and mileage
- Authority, brokers, shippers, contracts, parking, and security
- Safety data, maintenance, telematics, loss runs, and requested filings
Questions to answer before quoting
- How does the business control highway severity, driver fatigue, schedules, and unfamiliar routes?
- How does the business control cargo theft, seal integrity, unattended trailers, and freight damage?
- How does the business control trailer ownership, interchange, loading, securement, and contracts?
Frequently asked questions
Why should dry van & general freight insurance be described separately?
A dry-van submission should show authority, tractors, trailers, drivers, commodities, maximum cargo values, radius, mileage, brokers, shippers, parking, security, and maintenance. These details can affect classification, eligibility, filings, limits, exclusions, pricing, and available insurance options.
Can every dry van & general freight insurance operation use the same insurance program?
No. Authority, vehicles, drivers, commodities, radius, contracts, safety practices, loss history, state requirements, and requested coverage affect the available terms.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.