Transportation Risk Management Insurance Agency
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Additional Coverages Offered

- Additional or Optional Downtime Coverage - Extended protection for periods of downtime due to repairs following a covered physical damage claim. Limits of coverage available of up to $300 per day with a maximum of $18,000. (14-day waiting period will apply).

- Personal Property - Protection of personal property carried in your truck that is not covered under any other insurance policy. We offer a variety of limits ranging from $2,000 to $5,000 so you can choose the amount of coverage that you require. Each limit is subject to a deductible.

- Gap Coverage - Provides protection for the difference between your loan payoff and the market value in the event of a total loss by collision. This coverage is available for both tractors and trailers.

-Supplemental Towing and Clean-Up - Provides towing needs from the scene of a covered loss and cleanup to help with the cost of removal of debris and cleaning of the immediate vicinity of an accident following a covered loss (subject to limit of coverage purchased).

- Trailer Interchange - If your shipper or motor carrier requires you to be responsible for damage to any non-owned undescribed trailers pulled by your vehicle, you'll need to add trailer interchange to your policy.

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Warehouse Legal Liability- coverage for the insurable exposures of public and commercial distribution warehouses and logistics companies.

- Employment Practices Liability Insurance (EPLI)- coverage for wrongful acts arising from the employment process 

-Worker's Compensation- coverage that reimburses an employer for damages that must be paid to an employee for injury occurring in the course of employment

 - Building and Contents Coverage-  Coverage for buildings, personal property, or both at the location or locations described in the policy.

 - Umbrella/ Excess Liability- additional protection when your business exceeds insurance limits on an underlying policy

- Bonds-guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default

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