This exclusive BizCHOICE Insurance Program specializes in providing a complete comprehensive insurance product solution for transportation companies operating in the Middle Mile Delivery segment.
Program Features
Policy must include Auto Liability and General Liability; all other lines are optional.
- Auto Liability
- General Liability
- Motor Truck Cargo
- Physical Damage
- Statutory All-states Workers’ Compensation
- Fully portable, full-time Occupational Accident coverage per state requirements
Optional Coverages
- Downtime coverage
- Personal effects coverage floater
- Rental reimbursement
- Lease gap coverage
The Program Advantage
- BizCHOICE Transportation Risk Purchasing Group for GL, Cargo, AL, APD and Umbrella
- Individual contractor insurance selection
- Financially superior insurance company (AM Best rated A- Excellent)
- Weekly settlement deduction from multiple settlement companies, including pay plan for ease of payment
- Telematics integration discounts
- Bilingual onboarding & customer service platform
- Dedicated Claims team for logistics industry
- Fully portable, full-time Occupational Accident coverage per state requirements
- Generation Z Young Drivers Insurance Program
- Better coverage including “Any Auto” for liability
- Mileage-rated premium – pay only for when trucks are running
- Industry expertise – 25+ years’ specialty underwriting for middle mile segment
- Minimal Down Payment to bind coverage
- Weekly deductions for insurance premiums
- Superior customer service 24/7
- Driver education
- Risk management resources – to support your loss
Customized Logistics and Delivery Association (CLDA) Benefits
- Association Occupational Accident program
- Non-occupational accident benefits
- Hospital indemnity insurance plan
- Dental and vision insurance programs
- Prescription discount card program
- Life insurance
- Telemedicine –Medical Doctors 24/7 via Web/Phone
- Disability coverage
- Critical illness coverage
- Association-aligned vendor membership discounts: Budget Rent a Car, Delta Airlines, Hertz, UPS
General Program Underwriting Guidelines
Eligible Risks
- Middle Mile operations
- Dry van commodity haulers
- Regular delivery routes
- 5-35 units preferred
- 3+ years in business (recent and concurrent)
- Drivers with 2+ years of experience
- Favorable loss history
- TruckerCloud compatible ELD device
- Satisfactory safety scores (SAFER/SMS
Excluded Risks
- Operations: Intermodal, HAZMAT haulers, tankers
- Trailers: flatbed, refrigerated, tank & any 30+ years old
- Power units 25+ years old
- High percentage of retail or warehouse club store delivery
- Home/residential delivery
- Brokerage operations unless incidental
- Conditional or unsatisfactory DOT rating
- Two or more SMS Basic Alerts
- Personal vehicles/PPVs
- Dump trucks
- Tow Trucks
If you are an agent or broker looking to inquire about this program, please contact our VP of BizCHOICE