Transportation
APD and MTC cover for your clients
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In the fast-moving world of commercial transportation, speed and reliability matter.
With over 25 years of underwriting experience, we provide quick, efficient, and expert-backed solutions that give brokers a competitive edge. Our ability to rate, quote, and bind risks in-house means faster turnaround times, fewer delays, and seamless coverage solutions for your clients.
We specialize in Auto Physical Damage (APD) and Motor Truck Cargo (MTC) coverage, offering the flexibility to secure them individually or as a combined policy through PolicyFly, a digital platform that streamlines the underwriting process.
Whether you're covering independent owner-operators or large fleets, our tailored solutions ensure that you can secure coverage nationwide with confidence.
Our transportation insurance solutions are designed to provide brokers with the flexibility and control they need to serve a wide range of clients, whether insuring single units or extensive fleets.
With both APD and Motor MTC cover available on a stand-alone or combined basis, we offer tailored policies that adapt to the unique exposures of each risk.
Auto Physical Damage (APD)
Motor Truck Cargo (MTC)
Our specialist underwriting team has access to a broad range of capacity through Great Lakes Insurance SE (a wholly owned subsidiary of Munich Re). We offer comprehensive coverage across all commercial, business, private passenger, and livery auto physical damage risks. Whether you're an independent owner-operator or manage a large fleet, we can provide tailored coverage that meets your needs, including both short-haul and long-haul exposures.
Product features
Our extensive market access allows us to provide the following coverage options:
- Coverage backed by Great Lakes Security
- Commercial Trucking, Business Auto, Livery, and Private Passenger
- Drive-a-way Operations
- Short and Long Haul
- Single Units to Large Fleets
- Reporting Basis (for fleets of qualifying size)
- Loan/Lease GAP coverage and Downtime rental
- Trailer Interchange & Non-Owned Trailer Coverage
- Hired Vehicle Coverage
- Terminal Coverage
- Additional Towing and Storage Limits
Territories
We provide nationwide coverage across all US states.
Capacity
Up to $1.5 million per loss
No limitation on Total Insured Value (ACV Basis)
Up to a Maximum Limit (as part of a fleet) of $500,000 any one unit/combination
With full underwriting authority, we provide comprehensive coverage for road-transported cargo, including refrigeration, auto haulers, and livestock. Our coverage can be written on both primary and excess basis, ensuring flexible solutions to meet your cargo insurance needs.
Product features
We offer robust coverage options, including:
- Coverage backed by Great Lakes Security
- Short and Long Haul
- Single Units to Large Fleets
- Trailer Interchange
- Debris Removal
- Earned Freight Protection
- Primary and Excess of Loss Coverage
- Refrigeration Breakdown Coverage
Territories
We provide nationwide coverage across all US states.
Capacity
- Up to a Maximum Limit (depending on risk) of $500,000 for any one truck
- Normal Maximum $250,000 on any one truck (full value or primary)
- Excess limits available up to a maximum of $900,000 (minimum excess point of $100,000)
- Normal Excess Maximum of $500,000 depending on risk/exposure; ability to write excess of domestic insurance carrier
Value-added services
Financial strength and security
How to get a quote
To provide you with an accurate quote, we require:
A completed application form
Schedule of units (with values for APD)
Previous years loss runs
Schedule of drivers
Historical total insured value (minimum three years) – for APD coverage only
Out of appetite
Coal haulers
Drivers under one year of experience
Taxi cabs
Piggybacked loads (MTC)
Risks requiring filings
Contact our experts
Mark Gadd
Head of Direct Underwriting
Mark Watson
Underwriter
Ethan Long
Assistant Underwriter
Julian Pryke
Head of Transportation
Julie Whitehead
Underwriter
Marie Georgiou
Assistant Underwriter/Team Supervisor
Jake Ferris
Senior Underwriter
Nicola Sanders
Underwriter