What is TWIC and do I need it to haul at U.S. ports?

TWIC (Transportation Worker Identification Credential) is a TSA-issued biometric ID card required for unescorted access to most U.S. maritime terminal facilities. Without TWIC, drivers must be escorted inside the terminal at all times. Most drayage carriers require drivers to hold valid TWIC credentials.

Does TWIC replace UIIA insurance requirements?

No. TWIC and UIIA insurance are separate requirements. TWIC is a personal security credential for terminal access. UIIA insurance is a coverage and certificate filing requirement for pulling containers from equipment providers at ports and rail ramps. Both are required for full port access.

Can Truxsurance write port trucking insurance for TWIC-credentialed carriers?

Yes. We write port trucking insurance for TWIC-credentialed carriers at all major U.S. marine terminals, using policy language compatible with TSA-secured facility requirements.

What happens if my policy has a secured-facility exclusion?

Some standard commercial auto policies include broad exclusions for 'government facilities' or 'restricted access areas' that could be interpreted to exclude coverage at TWIC-secured marine terminals. We write through specialty markets that use clean language without these gaps.

TWIC Port Trucking Insurance

Insurance for Port Truckers with TSA TWIC Credentials at Marine Terminals

The Transportation Worker Identification Credential (TWIC) is a biometric security card issued by the TSA and U.S. Coast Guard that is required for unescorted access to secure maritime facilities — including most U.S. container terminals, oil terminals, and port facilities. While TWIC is a personal credential rather than insurance, port trucking carriers need insurance policies that use TWIC-compatible language and structure coverage correctly for TWIC-secured terminal environments. Truxsurance writes port trucking insurance for TWIC-credentialed carriers at all major U.S. ports.

Same-day COI filings available. Coverage subject to underwriting.

Some of the insurance markets we work with

Carrier availability varies by state, operation type, fleet size, and underwriting requirements.

UIIA-Registered Agency

Same-Day COI Filings

E&S Market Access

IANA Filing Approved

What You Need to Know

TWIC (Transportation Worker Identification Credential) is required by 46 USC 70105 for unescorted access to maritime facilities
TWIC is administered by TSA and the U.S. Coast Guard — it is a federal security credential, not an insurance product
Carriers must have TWIC cards for all drivers who need unescorted terminal access — companions or escorts are limited at most ports
UIIA-compliant insurance is required separately from TWIC — carriers need both to access marine terminals
Some insurance policies use language that inadvertently restricts coverage at secured facilities — TWIC-aware policies avoid these gaps

Where We File

All U.S. MTSA-regulated marine terminal facilities
Ports of LA, Long Beach, Oakland, Seattle, Tacoma (West Coast)
Port of Houston, Corpus Christi, New Orleans (Gulf Coast)
Port Newark-Elizabeth, Port of Virginia, Port of Savannah (East Coast)
Port of Charleston, PortMiami, Port Everglades, JAXPORT (Southeast)

Coverage Required

Carriers operating in this market need these key coverages to meet UIIA, port, and broker requirements.

Auto Liability

Primary commercial auto liability for trucks operating at ports, rail terminals, and freight corridors. Minimum $1M CSL required by UIIA.

Motor Truck Cargo

Covers freight in containers while in your care between terminals, ramps, and warehouse delivery points.

Trailer Interchange / Chassis

Physical damage on non-owned chassis and trailers pulled under interchange agreements with equipment providers.

General Liability

Protects against certain premises and operations liability at terminals, yards, and business locations.

Physical Damage

Collision and comprehensive coverage for tractors and owned trailers in port, rail yard, and highway environments.

Excess / Umbrella Liability

Higher limits above primary policies when ports, railroads, or contracts require $2M, $3M, or $5M coverage.

Coverage Requirements for This Market

Auto Liability — $1,000,000 CSL minimum (UIIA requirement)
Motor Truck Cargo — $100,000 – $250,000+
Trailer Interchange / Chassis Coverage
General Liability — $1M/$2M
TWIC-compatible policy language — no exclusions for secured federal facilities

Fast Filings & Certificates

TruxSurance helps intermodal and drayage carriers secure proof of insurance quickly for railroads, ports, brokers, shippers, and equipment providers. Same-day certificate issuance and filing support may be available once underwriting is complete and coverage is bound.

Certificates of Insurance filed with IANA same business day
Additional insured endorsements for equipment providers
Waiver of subrogation where available
Loss payee / lienholder requests
Trailer interchange and cargo proof
Auto liability filings — MCS-90, state forms

Authorized Intermodal Trucking Insurance Agency

TruxSurance is a licensed trucking insurance agency helping intermodal carriers, drayage companies, port truckers, container haulers, owner-operators, new ventures, and fleets compare available transportation insurance options through E&S and specialty markets.