FAQs

Think of your trucking insurance premium on a risk meter. The more potential risk an insurance carrier views the higher the premium. Here are the major factors when a carrier ...

Tell us when equipment arrives, not at renewal. New production machinery, a replacement chiller, a second walk-in, or an added transformer all change what is at risk, and some ...

More than boilers, which is where the coverage came from. Modern forms reach electrical systems and transformers, HVAC and refrigeration, air compressors, pumps, elevators, production machinery, and in many ...

Yes, through expediting expense, which is often the most useful part of the form. Expediting expense funds the extra cost of speeding a repair: overtime, express freight for a ...

A sudden physical failure from a mechanical, electrical, or pressure cause. Typical triggers are an electrical arc or short in a panel or transformer, a motor or compressor seizing, ...

Anything gradual, and anything already covered by the property form. Wear, corrosion, erosion, and deferred maintenance are excluded, because the coverage is for sudden and accidental breakdown rather than ...

Where the customer carries comprehensive or collision, yes, and under a direct excess basis their policy is expected to go first. Three things push a loss back onto the ...

Yes, and it is the most useful thing on this page. Under the Commercial Code a warehouse is liable for loss caused by a failure to exercise the care ...

No. Warehouse legal liability stops at the dock. Once goods are moving, the exposure shifts to motor truck cargo coverage if you haul them yourself, or to inland marine ...

No, and trying to is usually the wrong structure. The owner of the goods insures the goods. What you carry is liability for your own failure to exercise reasonable ...