Trailer Interchange Insurance

NITIC is committed to offering the best and most affordable Trailer Interchange Insurance coverage to owners and operators of truck fleets. Customers all around America have relied on us for years because of our adaptable coverage and payment options, expert help with claims involving heavy-duty trucks, free insurance filings, discounts, and knowledgeable support. Our customer service is second to none!

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In the trucking business, it’s typical for truckers to transport or make use of borrowed or leased trucks. Many commercial trailer truckers are unaware that while the non-owned trailer is covered by their liability policy, there is no protection for physical damage.

Physical damage to the trailer while it is in their custody is solely the responsibility of the owner-operator or motor carrier. Thus, in order to effectively protect yourself and your business from any financial strain, you need trailer interchange insurance

Our team of specialists in commercial truck insurance can help you find the best coverage option for your trucking company quickly and affordably by guiding you through the process.

What is Trailer Interchange Insurance?

The trailer interchange insurance policy guards against any loss or damage occurred when a trailer is being transferred from one place to another. This coverage provides you peace of mind when hauling non-owned trailers that are in your custody.

Before acquiring a trailer interchange insurance policy, you should assess your company’s demands and determine the kind of coverage alternatives you want.

If you’d like, our insurance specialists may assist you in focusing your search and identifying the option that most closely matches your requirements.

When do you need Trailer Interchange Insurance?

You need comprehensive insurance coverage whether you borrow or utilize someone else’s trailer. Even if you already have a trucker’s liability insurance policy in place, there is no physical damage coverage, You require this insurance in the following typical situations:

  • Trailer Interchange Agreements: These are written contracts that call for insurance between a driver and a motor carrier.
  • Power-Only Drivers: Shipping companies occasionally use drivers to move empty trailers, and they mandate that they obtain trailer interchange insurance.
  • Members of UIIA (Uniform Intermodal Interchange and Facilities Access Agreement): Members must carry minimum limits on a variety of insurance products, including trailer interchange insurance, according to the UIIA.
Additionally, you must purchase this insurance if you are shipping freight in accordance with a documented contract. Without it, you run the danger of incurring a high cost should damage occur while in use.

When do you NOT need Trailer Interchange Insurance?

The trailer interchange insurance is typically not applicable In the following circumstances:
  • When you own a trailer.
  • Any "auto" covered by a formal trailer interchange agreement while it is in someone else's care. But a loss payee is not covered by this exception. However, you must pay back the cash if we pay the loss payee.

What scenarios are covered by Trailer Interchange Insurance?

Trailers that you use to move goods from one place to another are covered by trailer exchange insurance. The majority of the time, if you want to do business with the firm that owns the trailer, you must first buy trailer interchange insurance. It covers costs associated with trailer damage in the following cases:
  • Loading/ Unloading the freight
  • Accidents
  • Accidental fires
  • Theft
  • Vandalism
  • Collision

How much does Trailer Interchange Insurance cost?

Because our insurer takes a number of factors into account when calculating premiums, the following considerations can have a significant impact on the cost of trailer interchange insurance:
  • The coverage limit and deductible - the higher the coverage limit, the higher the deductible.
  • Trailer value - the more expensive the trailer is, the higher its insurance value. It only covers physical damage, not what the driver is transporting.
  • The location where the accident took place.
  • Loss of property in the past.
So don’t put off getting your rental trailer insured. Talk openly with our insurance expert to find the finest protection and options to help your trucking company adhere to state-mandated insurance requirements.

Indicate State Specifics

The state of Virginia does not offer trailer interchange insurance.

Why choose NITIC as your Trailer Interchange Insurance Company?

National Independent Truckers Insurance Company, RRG provides rapid, comprehensive, and cost-effective insurance alternatives for trailer interchange coverage. Both new and seasoned trucking companies and drivers are welcome, and we offer them the best protection to meet their unique needs.


We are aware of all the risks connected with loading and unloading freight. For this reason, we are committed to offering complete coverage for non-owned trailers at the best available rates.

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FAQs

When a loaned or leased trailer is used for business or pleasure, third-party physical injuries and property damage are not covered by trailer interchange insurance. You can select Non-trucking liability insurance or Unladen insurance if you wish to be protected from the expense of injuries caused by your power mover while a rented or borrowed trailer is attached to it.
Only a rented or borrowed trailer that is connected to a power unit is protected by non-owned trailer coverage. On the other hand, trailer exchange insurance covers the trailer whether or not it is connected to a power unit.
Determining the precise cost of your trailer interchange insurance depends on a number of variables, including the history of property losses, the accident’s location, the coverage level, and the price of the trailer.
The following events are covered by trailer interchange insurance:
  • Deliveries of goods, materials, or products are made using the trailer.
  • The owner-operator or the driver uses the trailer for personal errands.