This policy covers premises and operations exposures to guard your financial assets, providing broad coverage for bodily injury and property damage (other than autos), personal and advertising injury, some medical expenses, products and completed operations, fire legal liability on rental property, contractual liabilities, erroneous delivery of products, and host liquor liability. All claims are handled by our experienced liability adjusters.
Our physical damage coverage helps get your equipment repaired and back on the road. We offer various deductibles, self-insured retentions, location-specific catastrophic coverage, and other flexible options.
Long-term relationships with established repair facilities, towing companies, and parts suppliers add value to our product, because your equipment will get the attention it deserves no matter where you are.
Provides coverage when you are not under dispatch. When you are driving the tractor to get repairs or taking it home.
Downtime coverage applies when your equipment is being repaired and is unable to produce revenue on the road.
If you suffer a loss, you may need replacement equipment to continue operating. This product covers the cost of renting replacement tractors, trucks, or trailers when the loss is covered under your Great West physical damage policy.
Occupational Accident coverage is designed to offer benefits to independent contractors and employees who not covered under a workers compensation policy.
During the first half of a five-year lease or loan, your payoff is usually higher than the actual cash value of your unit, and insurance policies are typically only obligated to pay the actual cash value amount. Any difference is your personal obligation. Lease/finance value coverage responds after a total loss to pay off the cost of a lease or loan when it exceeds your unit's actual cash value.
Do you have binders, tarps, tie downs, chains, or other equipment used for securing cargo on trailers? You need separate coverage when you don't own the trailer. Our miscellaneous equipment coverage provides full comprehensive and collision coverage. The electronic equipment coverage is used to extend the covered auto's physical damage coverage to include certain electronic items not automatically covered in the policy, such as permanently installed computer systems, fax machines, video cameras, satellite tracking systems, two-way radios, etc.
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3. You decide if you want to move forward
As a TOMA member, you have access to individual health insurance options.
Truck Operators of Modern America (TOMA) is an association for independent truck owner operators.
We provide benefits that help ease the stress of running your own business, such as finding great truck insurance rates and health insurance options.