Trailer Interchange Insurance
Protection for non-owned trailers under interchange agreements
Trailer Interchange Insurance pays to repair or replace a non-owned trailer while it is in the motor carrier’s care, custody, or control under a written interchange contract. Shippers, ports, rail yards, and power-only brokers often require proof of this coverage before releasing a load.
Coverage
Covered peril | How the policy responds |
|---|---|
Collision or overturn | Pays for bodywork or total-loss settlement when an insured accident damages the non-owned trailer. |
Fire & Explosion | Covers heat, smoke, or blast damage—common at fuel islands or repair shops. |
Theft & Vandalism | Reimburses for stolen or vandalized trailers and attached equipment (tires, landing gear). |
Weather-related loss | Includes windstorm, hail, flood, and lightning if specified in the policy. |
Towing & Storage fees | Optional endorsement for reasonable post-accident removal and storage costs. |
Not covered: cargo inside the trailer, normal wear and tear, or damage that occurs outside the policy radius.
Who needs it
Who typically needs Trailer Interchange coverage
Power-only carriers hauling drop-and-hook loads.
Port and rail-drayage operators moving container chassis.
Intermodal fleets exchanging equipment at yards or ramps.
Owner-operators under Amazon Relay, JB Hunt 360, or similar programs requiring non-owned trailer protection.
Limits & costs
*Rates vary by trailer value, garaging location, radius, and loss experience.
Cost explanation
Cost drivers
Stated Trailer Value: Premium rises in proportion to declared value.
Deductible: Higher deductibles ($1,000–$2,500) lower premiums.
Operating Territory: Ports and metro corridors rate higher than rural lanes.
Loss History: Prior trailer claims increase rates; clean history earns credits.
