Coverage Center
Trailer Interchange Insurance
Coverage options for qualifying non-owned trailers in your possession under a trailer interchange agreement.
Understanding the Coverage
When You Pull Someone Else’s Trailer
Trailer interchange coverage is physical damage coverage that may help address covered loss or damage to a qualifying non-owned trailer while it is in the insured motor carrier’s care, custody, or control under a trailer interchange agreement.
It is commonly considered by motor carriers that exchange trailers with other carriers, shippers, or logistics partners. The agreement, trailer schedule, valuation, and policy terms all matter when evaluating whether this coverage fits the operation.
Key Considerations
Details That Matter
Interchange Agreement
Coverage is generally evaluated in connection with a written trailer interchange agreement or other qualifying arrangement.
Trailer Values
Limits, deductibles, stated values, and valuation methods should be reviewed against the trailers you may possess.
Possession and Control
The circumstances of possession, use, and responsibility can affect how a claim is evaluated under the policy.
Policy Terms
Covered causes of loss, exclusions, territory, and other conditions vary by carrier and policy.
Underwriting
Information an Underwriter May Request
A complete picture of the operation can help RIG evaluate available trailer interchange options.
Operations
Operating radius, routes, commodities, trailer use, and the parties involved in the interchange arrangement.
Trailer Details
Trailer types, values, ownership status, schedules, and the maximum value of non-owned trailers in your possession.
Risk History
Driver information, loss history, current coverage, and copies of applicable interchange agreements where requested.
Related Transportation Coverages
Trailer interchange may be considered alongside physical damage, primary auto liability, motor truck cargo, general liability, and other coverage options based on the operation.
Coverage Notice
Coverage Depends on the Policy
Coverage descriptions are general summaries only. Actual coverage is subject to the terms, conditions, exclusions, limits and endorsements of the applicable insurance policy.