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    Insurance (Lines - Logistics)

 

  • Procurement, management and claims resolution for the Uniform Intermodal Interchange & Facilities Access Agreement (UIIA) intermodal contract minimum insurance requirements for various members (such as: box truckers; bulk haulers; container haulers; couriers; dump operations; freight forwarders; hazmat carriers; hot shot trucking companies – those which specialize in carrying smaller, time-sensitive loads; less-than-a-load – LTL – trucking companies; tow-truck operations) in various situations, that must be specified on a UIIA ACORD 22 Certificate of Insurance (CoI) – pursuant to the instructions on UIIA Form 5A –which must also specify the President of the Intermodal Association of North America as the certificate holder, and may include: cargo insurance (CI) with limits specified on UIIA EP Rules Form 5B (generally at least $100,000); commercial auto liability (AL) with a combined single limit (CSL) of $1 million (all UIAA equipment providers – EPs – with which the insured may do any business must be specified as additional insureds pursuant to UIIA Form 5C; the auto policy must be clearly-delineated as either an “any auto”, “all owned and hired” or “scheduled or hired” policy, and not as merely an “all owned” or “scheduled only”; if the insured motor carrier is actually self-insured, then such motor carrier must obtain special UIIA-approved language that must be inserted in the self-insured document); commercial general liability (CGL) with a limit of $1 million per occurrence (of which no portion thereof can be self-insured); employer’s liability (EL) with limits specified on UIIA EP Rules Form 5B (generally at least $500,000); equipment provider checklist UIIA Form 5C (requiring that any EP with which the insured may do any business must be specified as additional insureds; on the UIIA ACORD 22 certificate, the insurance agent must check the box under the description of operations, thus confirming that the EPs checked on UIIA Form 5C are additional insureds on the appropriate policies; insurance agents that wish to provide blanket additional insured coverage may do so by checking the appropriate blanket additional insured boxes on the UIIA ACORD 22 certificate, and may use the wording specified on the UIIA ACORD 101 Form 5A); exclusionary policy endorsements (that purport to exclude, limit or modify any of the insurance policies specified on the UIIA ACORD 22 certificate must be attached to and referenced on the UIAA ACORD 101 form when the ACORD 22 certificate is submitted); National Association of Insurance Commissioners (NAIC) Numbers (for each policy specified on the UIAA ACORD 22 certificate, as well as the rating for each insurance provider, should be provided by the insurance agent, both of which may be obtained from the A. M. Best “Best Key Rating Guide”); notice of policy cancelation period must not be less than thirty (30) calendar days prior to the cancelation of any policy, unless such cancelation is due to non-payment of premiums by the insured, in which case the cancelation period cannot be less than ten (10) calendar days prior to the cancelation; trailer interchange insurance (TII – covering any non-owned equipment for collision, comprehensive, fire, physical damage and theft while in the motor carrier’s care, control or custody, with limits specified on UIIA EP Rules Form 5B – generally at least $30,000); truckers’ uniform intermodal interchange endorsement (UIIE-1, CA23-17 or TE23-17B – a hold-harmless endorsement that must be included in the AL;on the UIIA ACORD 22 certificate, the insurance agent must check the box adjacent to the language describing the applicable operations,thus confirming that this endorsement is part of the AL coverage); umbrella insurance (UI) as may be required (provided that the UIIA ACORD 22 certificate should specify to what policies the umbrella coverage applies, or it will be assumed that the UI is over all the policies specified on the UIIA ACORD certificate); and, workers’ compensation (WC) with limits specified on UIIA EP Rules Form 5B (generally at least $500,000).

 

  • Intermodal motor carriers may also wish to carry other types of specialized liability insurance coverages, such as: auto hauler; business owners; commercial property; courier; cyber; directors and officers (D&O); employment practices; errors and omissions (E&O); excess; fiduciary; flatbed truck; fleet truck; garage keepers; group health; hazmat truck; high-risk truck; human resources; liquor; moving and storage; new venture; owner-operator; reefer truck; technology.

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  • Consultation regarding the MCS-90 endorsement for the auto liability policies of various regulated motor carriers, ensuring that certain Federally-mandated coverage (such as environmental restitution) and limits are included is such motor carriers’ auto liability coverage.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for business auto: coverages may include auto liability, general liability, excess liability and physical damage; eligible operations may include armored cars, boom trucks, building materials transporters, contractors, couriers, cranes, dairies, farms, food deliveries, funeral operations, magazine distributors, newspaper distributors, retail deliveries and wholesale deliveries.

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  • Procurement, management and claims resolution for thecomprehensive specialty insurance coverages related to logistics operations, such as for the transportation of environmentally-hazardous materials: coverages may include auto liability, auto physical damage, designated insured endorsement, excess, general liability, International Standards Organization (ISO) Pollution Liability-Broadened Coverage for Covered Autos (CA 9948) endorsement, MCS-90 endorsement, medical payments (med pay), mis-delivery of liquid products endorsement, motor truck cargo, personal injury protection (PIP), primary and non-contributory endorsement, statutory no fault, uninsured motorist (UM), underinsured motorist (UIM), umbrella, Uniform Intermodal Interchange and Facilities Access Agreement (UIIA) trailer interchange endorsement and waiver of subrogation endorsement; eligible operations may include for-hire petroleum transportation, hauling bulk dry commodities, hauling bulk food-grade commodities, hauling bulk liquid, hauling hazardous waste, hauling non-hazardous waste, non-hazardous materials in tank trucks and truck transportation of hazardous materials requiring placards; specific exclusions may be garbage hauling, poisonous gases, infectious substances, radioactive materials and refuse hauling.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for fleet trucking: coverages may include auto liability, auto physical damage, blanket additional insured endorsement, broadened auto pollution with CA9948 endorsement, blanket waiver of subrogation endorsement, excess liability, general liability, medical payments (med pay), motor truck cargo, statutory no fault, uninsured motorist (UM), underinsured motorist (UIM), umbrella;  eligible operations may include containers, dry van, flatbed, for-hire goods, intermodal, perishable goods and refrigerated; specifically-excluded operations may include any type of waste disposal, drive-aways (meaning the hauling of other vehicles of any type), fracking output, “hot shots” (meaning smaller, time-sensitive, unique, unusual, valuable, LTL loads, within a specific time frame, usually to a single customer or destination), logging, moving and storage, oilfield, passengers for-hire, towing, “white glove” delivery (meaning both delivering an unusual object to a specific location and then placing it somewhere within that location services, at the customer’s direction), wrecking.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for limousine services: coverages may include auto liability, auto physical damage, excess auto and general liability; eligible operations may include airport buses, charter buses, luxury buses, luxury sedans, luxury SUVs, luxury vans, on-demand car service and pre-arranged limousine service.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations: coverages may include all risk for inland marine and ocean shipments and storage, carriers legal liability, contingent cargo, freight forwarders errors and omissions (E&O) freight forwarders legal, goods of others, shippers interest inland transit, shippers interest ocean cargo, warehouse legal liability and warehouse storage; eligible operations may include domestic transportation brokerage, customs house brokerage, freight forwarders, indirect air carriers (IACs), international transportation brokerage, motor truck carriers ( MTCs), non-vessel operating common carriers ( NVOCCs), warehousing.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for non-hazardous waste hauling: coverages may include auto including pollution, auto physical damage, CA9948 endorsement, MCS-90 endorsement, environmental impairment, general liability and umbrella; eligible operations may include carting companies, construction debris, demolition debris, dumpsters, landfills, medical waste, non-hazardous waste, portable toilets, recycling, refuse, roll-off bins, sanitation collections, septic service, solid waste, sweeping, transfer stations and trash hauling.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for marine cargo insurance: coverages may include cargo and transit, global stock throughput and project cargo; eligible operations may include business-to-business (B2B) internet sales enterprises, exporters, importers, multi-national enterprises, retailers and wholesalers.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for recycling operations: coverages may include auto, conversion coverage (meaning coverage against purchasing items from a seller which does not have legal title or possession), crime, environmental and general liability exposures, equipment and production machinery breakdown, general liability, impaired property, inland marine, limited pollution, products (meaning coverage for material to be reclaimed, reconditioned or recycled), professional liability for document destruction, property, stock and sale price valuation, umbrella, workers’ compensation; eligible operations may include automobiles electronics, glass, paper, plastic, rubber, scrap metal and textiles; there may be inclusions for various specified standard industrial classification (SIC) codes; there may be inclusions for various specified general liability class codes.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for truck brokers’ contingent liability: coverages may include contingent auto, contingent cargo, errors and omissions (E&O) and general liability; eligible operations may include freight brokerage, truck brokerage and truck leasing.

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  • Procurement, management and claims resolution for the comprehensive specialty insurance coverages related to logistics operations, such as for transportation workers’ compensation: coverages may include contingent liability, occupational accident and workers’ compensation; eligible operations may include auto transport, bus operations, couriers, deliveries, flatbed haulers, long-haul, moving and storage, refuse haulers.

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