Coverage for trailers that are not yours.
When you pull a trailer under an interchange agreement, this covers physical damage to that trailer while it is in your possession, even though you do not own it.
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In short
Trailer Interchange insurance covers physical damage, from collision, theft, fire, vandalism, or explosion, to a non-owned trailer you pull under a written trailer interchange agreement. Without that written agreement in place, neither party can hold the other responsible for damage to the trailer.
What it covers
The protection this policy actually puts in place.
- Physical damage to a non-owned trailer while it is hooked to your truck
- Collision, theft, fire, vandalism, and explosion affecting the trailer
- Your contractual liability under a written trailer interchange agreement
- Damage that occurs while the trailer is in your care, custody, and control
Who needs it
Is this coverage for your operation?
Owner-operators and fleets that frequently pull trailers belonging to carriers, shippers, or leasing companies. A trailer interchange agreement is the written contract that lets two parties swap a trailer to complete a shipment, and whichever party holds the trailer is responsible for damage while it is in their care.
This is the detail operators miss: without a written interchange agreement, you cannot hold the other party responsible for damage to their trailer. This coverage answers for that exposure while you have the equipment.
Why Road Ready for trailer interchange
The difference is how we place it.
Trailer interchange is frequently confused with non-owned trailer physical damage, they are not the same, and the difference decides whether a claim pays. We make sure the coverage you carry matches the agreements you are actually signing.
We place it alongside your primary and physical damage so the whole policy is coherent, and we help you set the right limit and deductible for the trailers you actually interchange.
Common questions
Straight answers on trailer interchange.
Related coverage
Coverages that often ride alongside this one.
Ready to review your trailer interchange?
Talk to an agent who specializes in trucking. We will review your operation and place coverage with no gaps and no padding.