Insurance Services
FLEXIBLE COMPETITIVE COVERAGE
We offer a full spectrum of coverage solutions tailored to the transportation industry.
From commercial auto liability and physical damage protection for your vehicles and equipment, to cargo insurance that safeguards the goods you haul, we provide policies that fit your operations. Our general liability plans cover accidents beyond the road, while our workers compensation and occupational accident options ensure your team is protected. For added peace of mind, our excess liability coverage offers an extra layer of financial security when primary limits are exceeded. Whether you’re an owner-operator or manage a growing fleet, Trans Risk Insurance delivers flexible, competitive coverage to keep your business moving forward with confidence.
Protect your business from the unexpected. Commercial auto liability coverage steps in when your drivers are at fault, covering injuries and property damage caused to others. Whether you prefer rating based on gross revenue or by scheduled vehicles, Trans Risk Insurance offers flexible solutions tailored to your company’s operations.
Protect your business from the unexpected. Commercial auto liability coverage steps in when your drivers are at fault, covering injuries and property damage caused to others. Whether you prefer rating based on gross revenue or by scheduled vehicles, Trans Risk Insurance offers flexible solutions tailored to your company’s operations.
This coverage protects your trucks and trailers—from collisions, theft, vandalism, and other risks. Often referred to as comprehensive and collision (or specified perils), this policy is based on the stated value of your equipment. Whether bundled in a full package or written separately, Trans Risk Insurance will help you determine the right protection for your assets.
Your freight is your responsibility—and cargo insurance ensures it’s protected. This policy covers goods in transit, with limits and coverage options that depend on what you’re hauling. We’ll assess your specific needs and connect you with top-tier carriers offering the most competitive rates.
Accidents can happen even when the wheels aren’t turning. General liability provides protection for bodily injury or property damage caused by your business operations—whether it happens at your yard or while your driver is on the road. From owner-operators to fleet owners, Trans Risk Insurance has the experience to cover your unique liability needs.
Safeguard your team and meet legal requirements with workers comp coverage. This policy supports employees injured on the job and provides benefits in the event of a work-related death. For businesses using independent contractors, we also offer Occupational Accident Insurance. We’ll help you find the right fit for your workforce.
When a major incident exceeds your primary coverage limits, excess liability provides critical backup protection. This umbrella policy activates once your core policies are maxed out—offering peace of mind and protection from catastrophic losses.
Specialty Insurance Capabilities
Employment Practices Liability (EPL)
Employment Practices Liability Insurance (EPLI) helps protect your business from legal action related to workplace issues such as discrimination, wrongful termination, harassment, and other employment-related claims. It fills critical gaps left by general liability, umbrella, or directors and officers (D&O) policies—especially where exclusions for intentional acts or employment matters may apply. Coverage typically includes legal defense costs, reinstatement, back pay, lost benefits, and attorney fees, offering essential protection against costly and complex HR-related lawsuits.
Occupational Accident Insurance (for Independent Contractors & Owner-Operators)
Occupational accident insurance—often referred to as “Occ-Acc”—is a tailored alternative to traditional workers compensation for independent contractors and owner-operators. It covers medical expenses, lost wages, and permanent disability benefits resulting from work-related injuries. Unlike state workers comp policies, benefits under Occ-Acc are defined by the contract itself, regardless of where the incident occurs or where the worker lives, offering flexible and customizable protection for non-employee drivers and contractors.
Professional Liability Insurance
Professional liability coverage has evolved to meet the needs of a broader range of service-based businesses. Whether you operate a moving company, storage facility, or another client-facing service, this insurance protects against claims of negligence, errors, or omissions in the course of professional duties. Policies typically cover defense costs—even if a claim is baseless—and extend to your business entity, partners, executives, and employees. Premiums are based on variables like industry, number of professionals, revenue, business location, coverage limits, and deductibles.