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Zurich Partners with Vindati on Motor Truck Cargo Program

The Motor Truck Cargo Legal Liability Coverage program offers licensed insurance agents and brokers a direct path to motor truck cargo coverage for their trucking clients.
Sponsored by

PRODUCT: Motor Truck Cargo Legal Liability Coverage

COMPANIES: Vindati and Zurich American Insurance Company

BEST RATING: A+ (Excellent)

AVAILABILITY: Available on an open brokerage basis.

FOCUS: Smaller, independent operators often face barriers when attempting to access motor truck cargo legal liability coverage. Through Vindati’s online platform, this program offers licensed insurance agents and brokers a direct path to motor truck cargo coverage for their trucking clients and customers.

Written through an exclusive agreement between Zurich and Vindati, the coverage insures against the risks of direct physical loss to covered property while in transit, loading or unloading, and awaiting final distribution while at a terminal or dock.

COVERAGE DETAILS: Minimal information is necessary for a quote, which includes cargo legal liability limits up to $250,000 per vehicle and $500,000 per occurrence.

Many supplemental coverages are included, such as contract penalty, debris removal, pollutant clean up, expediting expense, off-board electronics, on-board electronics, moving equipment and more. Optional refrigeration breakdown, continent cargo, and trailer interchange coverage is also available.

Agents and brokers can rate, quote, bind and issue the coverage in minutes on the Vindati shopping platform, which makes it a fast and seamless coverage solution.

Vindati, a New York-based MGA, is committed to simplified access for insurance agents and brokers serving small to mid-sized businesses, and to helping them offer clients a broad range of compelling products that meet business needs. Motor truck cargo is just one of many products that brokers can access on Vindati’s customizable shopping platform.

UNDERWRITING: Insured must have a minimum two-years operating authority and drivers must be over 23 years old with two years of commercial driving experience. Operations currently ineligible are household goods movers, auto haulers, oversize and overweight freight, and hazardous materials.


TARGET: Small to medium-sized motor carriers with current operating authority, including owner operators with a fleet size of 1 to 20 units. General freighters are a key target, including refrigerated and frozen foods, building supplies and livestock.

COVERAGE TERRITORY: U.S., its territories and possessions, Canada and Puerto Rico.

COVERAGE AVAILABILITY: All U.S. states except Alaska. Coverage is also unavailable in Puerto Rico.

CONTACT: Vindati underwriters.

Will Jones is IA managing editor.