Protection When You Haul Trailers You Don’t Own

Trailer interchange insurance provides coverage for physical damage to trailers that are not owned by the insured but are being used under a written interchange agreement.

Many transportation and hauling operations rely on trailers supplied by shippers, brokers, or other businesses. This coverage helps protect against financial responsibility if that equipment is damaged while in your care.

Common for a Wide Range of Commercial Vehicle Operations

Trailer interchange exposure is not limited to large trucking fleets. It often applies to:

• Hotshot operators pulling broker-provided trailers

• Flatbed and equipment haulers

• Intermodal transportation providers

• Businesses using shared or leased trailers

• Regional carriers operating under trailer exchange agreements

Understanding when this coverage is required depends on how equipment is supplied and controlled during operations.

How Trailer Interchange Differs From Other Coverages

Unlike cargo insurance, which protects the goods being transported, trailer interchange insurance protects the trailer itself when it is not owned by the insured.

It also differs from physical damage coverage, which applies only to equipment you own or permanently lease.

This distinction is important to avoid gaps in protection.

What Trailer Interchange Insurance Covers

Policies typically respond to:

• Collision or overturn damage to the trailer

• Fire, theft, or vandalism losses

• Physical damage occurring while the trailer is in the insured’s possession

Coverage is written based on trailer value, type, and contractual responsibility.

Structured Around Equipment Usage and Agreements

Not every operation requires trailer interchange insurance, but when contracts assign responsibility for non-owned trailers, this coverage becomes essential.

Policies must align with interchange agreements and clearly define when the insured is responsible for the equipment.

Supporting Transportation Businesses That Rely on Shared Equipment

From small operators to growing transportation companies, trailer interchange insurance helps ensure businesses can continue operating confidently when using equipment provided by others.