TRM Offers the following types of insurance:
- Primary Liability- insurance against loss from legal liability of the insured for bodily injury or property
damage to another party. TRM offers liability coverage that fulfills the legal obligations of those owner-operators with their own authority, or who are hauling exempt commodities. This coverage is required to activate your own authority. FMCSA requires $750,000 and most shippers and brokers require $1 million limits.
-Commercial General Liability- protects you against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations as well as advertising and personal injury liability.
-Motor Truck Cargo- insurance against loss from legal liability for damage to goods or merchandise in the insured's care and custody in the ordinary course of transit and includes coverage for debris removal, earned freight and refrigeration breakdown. We offer a wide range of limits designed to meet your needs.
***Supplemental Towing & Cleanup also available when purchasing cargo insurance***
- Occupant Coverage -provides accidental death and dismemberment coverage and accidental medical expense coverage for guest passengers, with no deductible and no minimum age limits. (No coverage provided for co-drivers and/or employees).
- Physical Damage- covers loss or damage to an insured vehicle caused by collision, fire, theft or vandalism on an actual cash value basis. Our coverage includes glass breakage, chip repair (glass) and downtime coverage with no additional premium to our members.
**Combined Deductible: if both tractor and trailer are insured under the physical damage coverage and are involved in the same accident, only one deductible will apply (the highest deductible on the policy).**
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