Non-owner Trailer Coverage
With over 30 years of experience, SCI provides comprehensive non-owner trailer coverage across America. Partner with us to secure your commercial vehicles with the right protection—customized for your needs—at highly affordable rates. Finding reliable coverage for non-owned trailers can be challenging, but we make it simple and stress-free for you.
Get affordable coverage for your non-owned trailer!
Finest protection with excellent service
Many truckers regularly use non-owned trailers to transport goods to various destinations. Protecting those leased or borrowed trailers is crucial. Non-owner trailer insurance safeguards your trailer against potential damage while it’s attached to your truck—giving you peace of mind every time you hit the road.
What is non-owner trailer coverage?
This policy provides extended protection for a non-owned trailer that’s attached to your insured truck. It covers physical damages and potential risks that occur while hauling or transferring the trailer.
It’s important to note that coverage only applies when the trailer is attached to the insured truck at the time of the incident.
Trailer interchange vs. non-owned trailer coverage
A Trailer Interchange Agreement is a formal contract between two trucking parties, making one responsible for damages to a rented or borrowed trailer—whether or not it’s attached during an accident.
It covers incidents such as:
- Explosion
- Collision
- Vandalism
- Fire
- Theft
Non-owner trailer coverage, on the other hand, does not require a written interchange agreement—but the trailer must be attached to your truck when the damage occurs. This makes it a more flexible option for truckers who frequently lease or borrow trailers.
Industries that commonly use this insurance include:
- Hot shot truckers
- Freight movers
- Tow truckers
- Owner-operators
- Auto haulers
- Garbage collectors
- Debris removal services
Does My Truck Insurance Cover My Trailer?
Standard truck insurance typically covers only your owned vehicle and offers limited or no coverage for leased trailers. If you regularly use non-owned or rented trailers, you’ll need non-owner trailer coverage for complete protection.
This ensures that if an accident occurs while hauling a leased trailer, you’re protected from paying expensive repair costs out of pocket.
If you’re unsure whether your current insurance includes this protection, contact our team—we’ll help you make the right decision.
Why do you need non-owned trailer coverage?
If your trucking operation frequently uses leased or borrowed trailers, this coverage is essential. Imagine your truck catching fire or getting into an accident that damages the attached trailer—you’d be liable for repair costs, which can be extremely expensive.
With non-owner trailer insurance, you’re covered against physical damage and costly repairs.
This insurance is right for you if:
- You are using someone else's trailer to transport goods.
- You don’t want to pay for the hefty trailer repairing expenses arising out of accidents.
What are the benefits of non-owned trailer coverage?
- Compensates the damages: This coverage pays you for the physical damages both small and big to the non-owned trailers when accidents happen.
- Peace of mind: Pulling someone else's trailer under your custody can be stressful. If you have non-owned trailer insurance then you can continue trucking operations without worrying.
- Financial support: Repairing trailers and heavy equipment is costly. This policy provides financial help when circumstances lead to damage to the non-owned trailer.
- Maintain reputation: Damages to someone else trailers can make your business repute questionable in terms of trust and reliability. Carrying this coverage will show your financial concern towards the non-owned trailers and will make your business more trustworthy.
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