From local box trucks to long-haul owner-operators. We leverage top-tier markets like Progressive Commercial and Cover Whale to provide rapid filings, certificates, and bulletproof coverage.
Whether you haul dirt, dry van freight, or refrigerated goods, we have the specialized coverage you need to satisfy broker requirements.
The federal requirement. Covers third-party bodily injury and property damage if your truck is at fault in an accident while operating under your own authority.
Covers the freight you are hauling against fire, collision, or theft. Crucial for satisfying broker and shipper requirements before you pick up a load.
Covers your tractor and trailer against damage from collisions, fire, theft, vandalism, and weather (hail/wind).
For owner-operators permanently leased to a motor carrier. Covers your liability when you are driving your truck for personal, non-business reasons.
Covers physical damage to non-owned trailers being pulled by your truck under a written trailer interchange agreement.
Covers non-driving liability risks, such as slips and falls at your terminal, incorrect deliveries, or actions by your drivers at truck stops.
The Scenario: An owner-operator is hauling $80,000 worth of frozen seafood from Seattle to Chicago. During the trip across the Dakotas, the trailer's refrigeration unit suffers a sudden mechanical failure. By the time the driver notices and gets to a mechanic, the entire load has thawed and is rejected by the receiver.
The Financial Impact: The driver files a claim on their cheap, online Motor Truck Cargo policy. The claim is denied. Standard cargo policies only cover damage from collisions or fire; they exclude "temperature variation" unless specifically endorsed.
The Wedjat Difference: We know trucking. When placing refrigerated haulers, we explicitly add a Reefer Breakdown endorsement to the Motor Truck Cargo policy. Had the driver been with Wedjat, the policy would have paid the $80,000 claim, saving the driver's business.
We provide ultra-fast turnaround times on COIs so you never miss a load.