Collision and other-than-collision
Collision and comprehensive-style protection can address different causes of covered loss. Ask how deductibles, exclusions, storage, and use affect the policy.
Commercial Truck Coverages
PHYSICAL
DAMAGE COVERAGE
Explore physical damage options for scheduled trucks and trailers, with final protection determined by the policy, endorsements, and underwriting review.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Protect Your Investment
Your trucks and trailers are the backbone of your business. Physical Damage coverage can help address covered loss to scheduled equipment, including certain collision, theft, fire, weather, and vandalism events.
Why It Matters
Commercial equipment is a significant business asset. A complete equipment schedule, current values, and a clear deductible plan can make physical damage decisions easier to evaluate before a loss.
Types of Coverage
Collision Coverage
May address covered damage to a scheduled vehicle when it collides with another vehicle or object, subject to the policy terms and deductible.
Comprehensive Coverage
May address certain covered non-collision damage, such as fire, theft, vandalism, weather, and falling objects, subject to policy terms.
What's Covered
Collision Damage
May address covered damage after an accident with another vehicle or object
Fire & Explosion
May address covered loss caused by fire, smoke, or explosion
Weather Events
May address covered weather-related loss, subject to policy terms
Theft & Vandalism
May address covered theft or malicious damage to scheduled equipment
Mechanical Breakdown
Optional protection may be available for eligible mechanical failures
Trailer Coverage
May be available for scheduled owned or leased trailers
Enhanced Coverage Options
Mechanical Breakdown Insurance
May be available by program for certain mechanical or electrical failures. Eligibility, components, exclusions, and deductibles vary by carrier and equipment.
Engine & Transmission
Electrical Systems
Air Conditioning
Personal Effects Coverage
May be available for eligible drivers' personal belongings kept in the truck, such as electronics, clothing, and tools.
Program-specific limits may be available
Downtime Coverage
May be available to help with eligible loss-of-use or rental expenses after a covered loss, depending on the policy and endorsements selected.
Review available options with your coverage specialist
Get Your Quote
Protect your trucks and trailers with comprehensive physical damage coverage. Get a quote in minutes.
or call 1-888-254-0089
Deductible Options
Choose a deductible that fits your cash flow and equipment values. Available options and their impact on premium depend on the carrier and submission.
$1,000Common starting point
$2,500Consider cash-flow impact
$5,000Discuss higher retention
Related Coverages
Equipment schedule readiness
Start with a complete picture of the equipment you need to protect
A physical damage review is about more than a truck count. A clear schedule helps document the value, location, use, and configuration of the assets that keep your operation moving.
- Year, make, model, VIN, and stated value for each tractor, trailer, and specialty unit
- Garaging locations, ownership or lease details, and equipment added after the last renewal
- Permanent equipment, tools, refrigeration units, or modifications that add value to the unit
- Current loss information, repair history, and any lender or contract requirements
Protect the assets behind the operation
Match the policy conversation to the way your equipment works
Tractors, trailers, attached equipment, and high-value modifications can create different documentation and coverage needs. The policy form, schedule, deductible, and endorsements should be reviewed together.
Values and endorsements
Stated values, financed equipment, permanently attached tools, rental reimbursement, and specialized endorsements should be documented rather than assumed.
Repair decisions
A repair plan benefits from organized service records, approved vendor requirements, and an understanding of the claims process before a loss occurs.
Repair and claims readiness
Document the details before they are difficult to reconstruct
An organized response does not change the policy, but it can help your team give the carrier the information it needs to evaluate a reported loss.
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Protect people and follow emergency procedures before focusing on the equipment.
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Document the scene, unit condition, involved parties, photos, and available police-report details.
- 3
Notify the claims contact listed on the policy as soon as practical and follow its reporting instructions.
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Preserve maintenance, inspection, dispatch, camera, and repair records that may be relevant.
Exposure management
Use prevention and maintenance to support the coverage plan
Yard security, maintenance routines, weather plans, and clear driver procedures are practical ways to reduce uncertainty around equipment exposure. They also make it easier to describe the operation during a coverage review.
Secure parking, key control, and trailer-storage procedures
Pre-trip, post-trip, and scheduled maintenance documentation
Weather, flood, fire, and severe-storm response planning
A process for reporting damage, theft, or vandalism promptly
Market access
Physical damage markets for a range of trucking equipment
Depending on the operation, equipment, values, territory, and underwriting profile, a physical damage review may consider several placement pathways:
Fleet equipment pathway
Specialty equipment pathway
Commercial auto pathway
Flexible equipment pathway
Transportation market pathway
Alternative equipment pathway
Placement pathways are provided to describe potential options, not to promise eligibility, pricing, availability, or coverage. Final terms, deductibles, and limits are determined by carrier underwriting and the policy issued.
Physical damage questions
Questions to work through before a coverage review
Clear equipment records and a focused list of questions can make a first discussion more productive.
Is physical damage the same as auto liability?
No. Auto liability generally addresses damage or injury your operation may cause to others. Physical damage is designed around your covered equipment, such as tractors, trailers, and scheduled units. The exact policy language and endorsements determine what is covered.
How should a truck or trailer be valued for a physical damage review?
Use a current, supportable stated value that reflects the unit and its permanent equipment. Recent purchase documents, equipment records, appraisals, and financing details can help create a more complete schedule.
Can a policy include tractors, trailers, and specialized equipment?
Often, multiple equipment types can be scheduled, but requirements vary by carrier, unit type, ownership structure, and intended use. Include every unit and material modification in the review rather than assuming it is automatically covered.
What should we consider when choosing a deductible?
A deductible is the portion of a covered loss the policyholder is responsible for before insurance responds. Consider cash flow, unit values, repair costs, contract requirements, and how often the equipment is exposed to loss. Available choices vary by program.