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If you pull trailers belonging to others and have an equipment interchange agreement with that company, you might need Trailer Interchange coverage. Trailer Interchange insurance provides physical damage insurance for trailers being pulled under a trailer interchange agreement, which is essentially physical damage insurance for non-owned trailers.

Since the exchanged trailers are not owned by you,  your regular physical damage insurance doesn’t cover them and they require a separate insurance coverage.

Trailer Interchange doesn’t require that the trailer is attached at the time of loss. It also includes containers under the definition of trailers, and it’s mostly used for intermodal operations.

Trailer Interchange Insurance requires a “written trailer or equipment interchange agreement” to be in place at the time of loss, so it may not extend to all situations when a trucker has a non-owned trailer in his possession.

What physical damages can Trailer Interchange insurance cover?

Collision
Explosion
Fire
Vandalism
Theft
Loading & unloading

For any questions about pulling a non-owned trailer or otherwise, feel free to call our experienced agents and we will be happy to assist you!

Trailer Interchange limits, deductibles and restrictions

When buying a Trailer Interchange insurance policy, you must select a limit and a deductible. The limit the amount that your insurance company will pay in the case of a claim. The deductible is the amount that you pay out of pocket to help with the repairs or replacement.

Trailer interchange must be paired with a Trucking Liability Insurance policy and is only available for tractors and pickups.