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NAFTA Program

Coverage for Big Rigs and Specialty Commercial Vehicles

Trucksmart Insurance & The NAFTA Program

Trucksmart is nationally known for our specialization in providing insurance to the trucking industry. The trucking industry is a vast, diverse industry, and within this industry, we have carved out a niche as specialists for what many people call “cross border trucking,” or what is more appropriately termed NAFTA Trucking and Distribution.

Among other things, the North American Free Trade Agreement, or NAFTA, creates a special 50-mile commercial trade zone along the U.S./Mexico border.

We write trucking, warehousing and distribution companies which haul goods to or from this trade zone. This market has exploded with growth over the past 2 decades, and at Trucksmart Insurance, we are uniquely positioned to help trucking companies who wish to capitalize on the demand for companies needed to move freight from the trade zone.

What Trucksmart Can Insure:

  • Any size account – 1 truck to large fleets with hundreds of trucks
  • Trucks coming from Mexico to the United States
  • U.S. Based trucking companies with Mexican drivers or drivers with an International CDL
  • Reporting policies offered based on Gross Revenue; Gross Mileage; or Gross Unit Count
  • Local, Intermediate and Long Haul radius accepted
  • We can write companies hauling livestock
  • We can write new ventures
  • We represent every MAJOR insurance carrier that specializes in this class of business
  • We can cover your Warehousing and Distribution operations

What Trucksmart Offers:

  • Liability
  • Physical Damage
  • Motor Truck Cargo
  • Excess Cargo
  • Excess Liability/Umbrella
  • Warehouse Liability
  • Bonds
  • Contingent Liability for Brokers
  • Contingent Cargo for Brokers
  • Workers’ Compensation for U.S. Based Companies

    GET A QUOTE NOW

    Your Name*

    Company Name*

    Email*

    Phone Number*

    MC or DOT #*

    Number of Vehicles*

    Radius of Operation*

    Previous Insurance Carrier?*

    Your Truck Insurance Coverage Interest?

    *Field is required. Please fill out.

    We Insure The Following Commercial Use Vehicles:

    • Tractors and Trailers
    • Contractors Pick-up and Utility Vehicles (Gardeners, Electricians, Plumbers, etc.)
    • Light, Medium and Heavy Bobtail Trucks
    • 1 to 10 Units Truck Fleets
    • 10 to 100 or more Units Truck Fleets
    • Liability and Cargo with Gross Receipt Policy
    • Sand and Gravel Dump Trucks
    • Local, Interstate and Long Distance Radius
    • Single Owner Operators

    Commercial Lines

    Commercial Lines Services Offered:

    Commercial Truck Liability

    Commercial Truck Liability insurance is required by State and often Federal regulations. Every carrier must carry liability insurance on every rig even on leased units (Autos). Liability insurance protects you when a third party is injured in an accident. Owner-operators should ask when leasing onto a company who will pay for their insurance – the company or from driver weekly settlements. A suggestion is that they obtain proof of the Leasing company’s Insurance.

    Physical Damage

    Commercial Truck Physical Damage insurance is coverage for your truck and trailer. Your premium is often based on a percentage of the value of your equipment. This coverage is not required by law but if you finance your vehicle the lien holder will require it. Some Companies use the simpler Actual Cash value at the time of the loss.

    Cargo Insurance

    Cargo Insurance covers damage/loss to freight in transit. This coverage can have many exclusions such as unattended vehicle, maximum theft limitations on target commodities such as garments, cigarettes, liquor, wines, beer, electronics and many others.

    Non-Trucking Liability

    Non-Trucking Liability insurance pays for an accident when the driver/truck is not under dispatch. The coverage is sometimes referred to as deadhead coverage or bobtail liability.

    Non Owned Trailer Liability

    Non-Owned Trailer Liability coverage protects you from damage or injury caused by the trailer you are pulling for someone else.

    Non-Owned Trailer Physical Damage

    Non-Owned Trailer Physical Damage coverage insures the trailer you are pulling for someone else in the event of loss.

    Trailer- Interchange Liability

    Trailer-Interchange Liability coverage protects a trailer you are pulling when there is an interchange agreement in force. For example with a railroad or a steamship line.

    Terminal Coverage

    Terminal Coverage protects freight located at specified terminals in the event of loss. Usually there are time limitations related to this coverage. For example: 72 hours maximum per specified load. If the goods are stored longer than the terminal time you would most likely want to purchase Warehouse Legal coverage. This amount of coverage is dependent on the total amount of goods stored/docked/off-loaded at any one time.

    Warehouse Legal

    Warehouse Legal coverage protects goods stored at specified locations in the event of loss. For example as relates to theft, fire, sprinkler damage. This amount of coverage is dependent on the total amount of goods stored at the location at any one time.

    Loggers Property Damage

    Loggers Property Damage, also known as Loggers PD. is usually required for those that work in the Forests. Simply stated, It eliminates the Care, Custody and Control exclusion to property damage arising out of your operation in the forest.

    Other Unusual Exposers

    Garage Liability and Garage Keepers Legal liability. Some firms do repair work for others. These forms of insurance are to pick up the exposures for the liability for the use of a non-owned automobile (Customer’s automobile, trailer, car or truck; for example). Garage Keepers Legal Liability covers the specified perils (or Comprehensive Coverage) and Collision damage that may happen to the customers Truck, Trailer or Automobile).

    Inland Marine Insurance

    For those items not designed primarily for use on public roads. (Forklifts, Crawlers, Loaders, Excavators, Skidders etc). The coverage is usually broader than Automobile Insurance provides. The major exclusions are wear and tear, Inherent vice.

    Commercial Truck Liability

    Commercial Truck Liability insurance is required by State and often Federal regulations. Every carrier must carry liability insurance on every rig even on leased units (Autos). Liability insurance protects you when a third party is injured in an accident. Owner-operators should ask when leasing onto a company who will pay for their insurance – the company or from driver weekly settlements. A suggestion is that they obtain proof of the Leasing company’s Insurance.

    Physical Damage

    Commercial Truck Physical Damage insurance is coverage for your truck and trailer. Your premium is often based on a percentage of the value of your equipment. This coverage is not required by law but if you finance your vehicle the lien holder will require it. Some Companies use the simpler Actual Cash value at the time of the loss.

    Cargo Insurance

    Cargo Insurance covers damage/loss to freight in transit. This coverage can have many exclusions such as unattended vehicle, maximum theft limitations on target commodities such as garments, cigarettes, liquor, wines, beer, electronics and many others.

    Non-Trucking Liability

    Non-Trucking Liability insurance pays for an accident when the driver/truck is not under dispatch. The coverage is sometimes referred to as deadhead coverage or bobtail liability.

    Non Owned Trailer Liability

    Non-Owned Trailer Liability coverage protects you from damage or injury caused by the trailer you are pulling for someone else.

    Non-Owned Trailer Physical Damage

    Non-Owned Trailer Physical Damage coverage insures the trailer you are pulling for someone else in the event of loss.

    Trailer- Interchange Liability

    Trailer-Interchange Liability coverage protects a trailer you are pulling when there is an interchange agreement in force. For example with a railroad or a steamship line.

    Terminal Coverage

    Terminal Coverage protects freight located at specified terminals in the event of loss. Usually there are time limitations related to this coverage. For example: 72 hours maximum per specified load. If the goods are stored longer than the terminal time you would most likely want to purchase Warehouse Legal coverage. This amount of coverage is dependent on the total amount of goods stored/docked/off-loaded at any one time.

    Warehouse Legal

    Warehouse Legal coverage protects goods stored at specified locations in the event of loss. For example as relates to theft, fire, sprinkler damage. This amount of coverage is dependent on the total amount of goods stored at the location at any one time.

    Loggers Property Damage

    Loggers Property Damage, also known as Loggers PD. is usually required for those that work in the Forests. Simply stated, It eliminates the Care, Custody and Control exclusion to property damage arising out of your operation in the forest.

    Other Unusual Exposers

    Garage Liability and Garage Keepers Legal liability. Some firms do repair work for others. These forms of insurance are to pick up the exposures for the liability for the use of a non-owned automobile (Customer’s automobile, trailer, car or truck; for example). Garage Keepers Legal Liability covers the specified perils (or Comprehensive Coverage) and Collision damage that may happen to the customers Truck, Trailer or Automobile).

    Inland Marine Insurance

    For those items not designed primarily for use on public roads. (Forklifts, Crawlers, Loaders, Excavators, Skidders etc). The coverage is usually broader than Automobile Insurance provides. The major exclusions are wear and tear, Inherent vice.

    Other Truck Insurance Coverage We Offer

    Is The NAFTA Program Not Right For You? See What Else We Have To Offer!

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