Trucking and Transit

SIC CODE

NAICS CODE

Suggested ISO General Liability Code

Suggested Workers Compensation Code

Description of operations: Truckers transport cargo from its initial loading and pickup at the shipper's location to final delivery and unloading at the receiver's location. The cargo can include raw materials, work in process, and finished goods. The trucker may assist customers in the packing and unpacking of freight. Some sell boxes and packaging supplies. Many trucking companies have warehouse facilities for both temporary and long-term storage of customers' goods. While some truckers transport freight to the same destinations regularly, others transport single shipments to a specific destination. Trucking may be limited to a geographic area, to domestic destinations, or internationally to Canada and Mexico. The trucking industry is regulated by a number of federal agencies.

Property exposure

Business income and extra expense exposures

Inland marine exposure

Crime exposure

Premises liability exposure

Personal and advertising injury exposures

Environmental impairment exposure

Automobile exposure is written on a motor carriers’ policy. The exposure is very high because it includes loading, unloading, and transporting freight. Customers and others can be injured should the movers drop or overturn items being carried. Children may be present during loading or unloading operations at residences or schools, requiring additional caution. All drivers must be well trained and attend continuing education courses to maintain and improve skill levels. They must have training in lifting and handling items being carried and safely operate trucks under all kinds of conditions, including adverse weather, construction impediments, darkness, and heavy traffic. They must have a valid commercial driver's license (CDL) for the trucks being driven and the cargo being moved. MVRs must be acceptable and checked regularly. Manipulating a large semi-trailer rig in a residential or commercial area requires training and awareness of surroundings. Driving logs must be maintained, and drivers must not be permitted to exceed regulatory limits on their hours of service. Hands-free two-way communication and GPS systems should be installed on all trucks. Random drug and alcohol testing should be required. Vehicles must be maintained, and records should be kept in a central location. Accidents can result in the spillage of diesel fuel or other operating fluids from within the truck, requiring cleanup.

Workers compensation exposure

Minimum recommended coverage: Building, Business Personal Property, Business Income and Extra Expense, Accounts Receivables, Computers, Contractors’ Equipment, Motor Truck Cargo, Valuable Papers and Records, Employee Dishonesty, Money and Securities, General Liability, Employee Benefits, Umbrella, Motor Carriers Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation