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0 20 April 2017

There is a little known and often overlooked issue that continues to grow within the trucking industry.

“Truckers are responsible not only for liability, but also for any physical damage to trailers of others while in their possession.”

The Risk
It is common practice for truckers to use trailers belonging to others in the normal course of their business. All ISO Coverage Forms (Business Auto, Truckers, Motor Carrier) extend Liability Coverage for non-owned trailers while attached to a covered auto.

Truckers however are often responsible not only for liability, but also for any physical damage that occurs to trailers of others while in their possession. Physical Damage Coverage for non-owned trailers is excluded by standard ISO coverage forms, which exclude liability for property of others while in the insured’s care, custody, or control. This coverage must be added, and is occasionally referred to as “bailee coverage” – a bailee being “any individual or entity which holds property of another”, the property in this case being a trailer.

Solutions for Providing Physical Damage for Non-Owned Trailers 1) Non-Owned Trailer Physical Damage

0 18 April 2017

Don’t get blown away this season with high wind/hail deductibles, buy them down!!

At a time when policyholders are facing higher premiums and a greater probability of hurricane or wind damage, you need as many tools as possible to assist your clients in having adequate coverage. This is where Interstate can deliver!

Our Wind Buy-Back coverage provides an option for policyholders to lower their wind deductible under a separate policy in a very cost-effective manner.

Features of our New Program Include:

  • In-house binding authority means fast turnaround
  • Credits given for Distance to Coast, Construction, Age of building, Loss History, and Roof Updates and/or Replacements
  • Top binding States are NJ, DE, MD, VA, NC, SC, GA
  • Competitive rating offered by Lloyd’s of London, A.M. Best Rating A+

We provide solutions to your insureds’ needs. We can deliver for you.

0 22 March 2017

Many commercial auto insurers are abandoning the space as costs surge.

That is the verdict of Jack Buchan, president of Interstate Insurance Management, who believes that pricing is causing a myriad of problems.

“Some carriers are exiting the market – I don’t want to name names but there are several who’ve gotten out. It’s supply and demand, if there’s less capacity out there you get an increase in pricing,” he stated.

“The pricing is still not where it needs to be. We’re seeing a 5%-6% increase in claims costs about every year and we haven’t seen rates keep up with that,” he continued.

“There’s a lot of naïve capital out there that will fib pricing in this business.

“They (brokers) really want to have all the coverages right – liability coverages, truck cargo coverages, general liability coverages, workers’ compensation coverages. But if they want to get the right coverage they need to go to a professional underwriting facility that specializes in transportation.”

While there are a host of risks in the commercial auto business, that can also create an opportunity according to one such specialist, Ryan Turner Specialty. Its senior vice president of transportation and workers’ compensation Lynn Cogger Koop spoke to Insurance Business about putting together a trucking program.

Posted in Auto, Blog | Tags:
0 12 December 2016

Our carriers keep expanding our authority to meet our agent’s needs and grow our business together!
Recent Authority Extensions:
– National Indemnity now available in Virginia, Maryland and Delaware
– Canal has given us authority to write wherever we are licensed

Here is a summary of our markets and available states:
Northland – DE, IN, MD, MI, NJ, OH, PA, VA, WV
Zurich – DC, DE, MD, NC, NJ, PA, VA, WV
National Casualty – MD, PA, WV
Canal – DC, DE, IN, KY, MD, MI, NC, OH, PA, SC, VA, WV
National Indemnity – DE, MD, PA, VA (any size account)
fleet only – IN, KY, MI, NC, NJ, OH, SC, WV
Aspen – DE, MD, NC, OH, PA, VA, WV
Lloyds of London – DE, IN, MD, MI, NC, NJ, OH, PA, SC, VA, WV
American Mining – DE, MD, NC, PA, VA
Rockwood – MD, PA

One call accesses ALL! Don’t waste your time with multiple brokers.
We look forward to hearing from you soon!
Email all submissions to:

Adrienne Secriskey | Underwriter-Auto
T: 800.452.0297 | F: 814.255.6010

0 19 October 2016

Available limits:
$500,000 per occurrence building coverage.
$500,000 per occurrence contents coverage.
$500,000 per occurrence business income/rental value (incl. extra expense).

Eligible properties:
Residential, commercial, and condominium buildings.

Coverage available:
1) Buildings and contents coverage mirrors the NFIP form and is lender compliant.
2) Business income/rental value (incl. extra expense) extension is available when required.

Minimum Deductibles:
$2,000 per occurrence primary building coverage.
$2,000 per occurrence primary contents coverage.
Lloyd’s and company market capacity available.


Available limits:
$50,000,000 per occurrence, per risk.

Eligible properties:
Residential, commercial, and condominium buildings.

Coverage available:
1) Excess coverage follows the underlying NFIP form in respect of property coverage, but can be tailored where the NFIP is not in place.
2) Business income/rental value (

0 11 October 2016

Your Long Haul trucker needs a commercial auto policy that provides the right coverage and radius that give the security they expect for a successful operation.

Why should a trucker worry about radius restrictions and improper coverages when we can place them with one of our many Long Haul markets? We even have Long Haul options for new ventures.

Great pricing! Great coverage! Great reputation!

Get it all at Interstate. See what we can do for your trucker clients.

We’ve been helping truckers since 1970.

Email all submissions to:
Kristine Hutzell | Underwriter-Auto
T: 800.452.0297 | F: 814.255.6010

0 20 September 2016

Interstate can provide you with a four star hotel and motel program with five star quality. We offer turn-key products that provide excellent protection for your hotel and motel risks no matter where they are located.

Coverage Offered:

  • General Liability
  • Liquor Liability
  • Crime
  • Inland Marine
  • Commercial Excess

Property (high limits available)

  • Wind and AOP
  • Wind Only
  • Wind Deductible Buy-Back
  • Primary Flood
  • Excess Flood

Optional Enhancements:

  • Property Extensions – including sewer backup, property off-premises and outdoor property
  • Privacy Breach Coverage – limits up to $300,000/$300,000
  • Equipment Breakdown
  • Assault and Battery – limits up to $300,000/$300,000
  • Liability for Guests’ Property – limits up to $25,000
  • Innkeepers’ Legal Liability $2,500 on premises limit

Check-into our Hotel and Motel class by sending us your submissions at Our doors are always open. Francisca Lee | Underwriter-P&C T: 410.628.1744 | F: 814.255.6010

0 29 August 2016

Our carriers are always looking for ways to better cover their insureds. One option is by offering coverage extension endorsements within their standard coverage forms. We can help you finalize your next sale with National Casualty’s Special Coverages Endorsement.

Some of the highlights of this endorsement include:
Down-time Loss Expense Coverage (Loss of Business Income)
Electronic Equipment Coverage
Loan or Lease Gap Coverage
Personal Effects Coverage
Many others…

Please click here for a complete list of enhancements and features.

This endorsement is available at no charge to the insured.

Contact your Interstate underwriter today for more information on this and our other products.

Email all submissions to:
Jordan DeFrances | Underwriter-P&C
T: 800.452.0297 | F: 814.255.6010

0 9 August 2016

Sometimes bad things happen to good people.

With thousands of businesses affected in the recent West Virginia floods, it’s important to know that most commercial insurance policies do not cover flooding. Without flood insurance your insureds will be stuck if their business floods and it – or their contents – are damaged. Flood insurance is designed to pick up where commercial insurance stops by covering the business and its contents if they are damaged by a flood.

Interstate has flood insurance products to help your insureds stay afloat. With every state experiencing a flood in the past five years and knowing that just a few inches of water can cause tens of thousands of dollars in damage – it’s now more important than ever for your customers to have flood protection in place.


Email all submissions to:

Amy Devlin, AAI, AIT | Underwriter-P&C
T: 800.452.0297 | F: 814.255.6010

0 19 July 2016

Recently Bound Auto Business – Top 6 Classes:
Dry Van
Refrigerated Goods
Specialized (auto haulers, livestock, mobile homes, etc.)

We can quote any size account in the above categories and much more!

Send your submissions today!

Email all submissions to:
April Simms | Underwriter-Auto
T: 800.452.0297 | F: 814.255.6010