Trailer Interchange Insurance
Looking for dependable Trailer Interchange Insurance? At SCI, we specialize in providing affordable and flexible coverage options for owner-operators, motor carriers, and trucking fleets. For over 30 years, truckers across America have trusted SCI for our competitive rates, expert claims assistance, and quick policy setup.
We offer adaptable payment plans, free insurance filings, discount programs, and personalized support from professionals who understand the trucking industry inside and out.
Our customer service is second to none.
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With over three decades of experience and an A+ BBB rating, SCI is one of the nation’s most trusted providers of Trailer Interchange Insurance. Our hundreds of 5-star reviews reflect our commitment to fast quotes, fair pricing, and quality service.
Whether you’re hauling under a trailer interchange agreement or using leased equipment, SCI helps ensure you’re fully protected. Unlike standard liability insurance—which doesn’t cover physical damage to non-owned trailers—Trailer Interchange Insurance gives you financial protection while the trailer is in your care, custody, or control.
What is Trailer Interchange Insurance?
Trailer Interchange Insurance covers physical damage to non-owned trailers being pulled under a trailer interchange agreement. It protects against losses caused by:
- Collision
- Fire
- Theft
- Explosion
- Vandalism
This coverage gives peace of mind when hauling borrowed, leased, or interchanged trailers, ensuring that any damage or loss while in your possession doesn’t come out of your pocket.
Our experienced SCI insurance experts can help you assess your business needs and select a coverage plan that fits your operations and budget.
When do you need Trailer Interchange Insurance?
You’ll need Trailer Interchange Insurance if you regularly haul trailers owned by others under written agreements. Common situations include:
- Trailer Interchange Agreements: These are written contracts that call for insurance between a driver and a motor carrier.
- Power-Only Drivers: Shipping companies occasionally use drivers to move empty trailers, and they mandate that they obtain trailer interchange insurance.
- Members of UIIA (Uniform Intermodal Interchange and Facilities Access Agreement): Members must carry minimum limits on a variety of insurance products, including trailer interchange insurance, according to the UIIA.
Without this coverage, any damage occurring while the trailer is in your possession becomes your financial responsibility.
When do you NOT need Trailer Interchange Insurance?
You typically don’t need this coverage if:
- When you own a trailer.
- Any "auto" covered by a formal trailer interchange agreement while it is in someone else's care. But a loss payee is not covered by this exception. However, you must pay back the cash if we pay the loss payee.
However, if you frequently interchange or lease trailers, having a dedicated Trailer Interchange policy is highly recommended for full protection.
Who needs Trailer Interchange Insurance?
Trailer Interchange insurance is typically needed by trucking companies, motor carriers, and owner-operators involved in the transportation of goods using trailers that they do not own. Here are the primary entities that may need Trailer Interchange insurance:
Motor Carriers: Trucking companies that operate with a combination of owned and non-owned trailers may need Trailer Interchange insurance. This coverage protects against physical damage to non-owned trailers while they are in the insured’s possession.
Owner-Operators: Independent truck drivers who lease their services to motor carriers and transport goods using trailers that are not owned by them may require Trailer Interchange insurance. This coverage helps protect against damage to the non-owned trailers they are responsible for.
Freight Brokers: Companies or individuals acting as freight brokers or intermediaries in the transportation industry may need Trailer Interchange insurance to cover trailers used in the course of their operations.
Trucking Fleets: Larger trucking fleets that interchange trailers with other carriers or entities may find Trailer Interchange insurance beneficial to cover potential damages to trailers not owned by them.
Intermodal Transportation Companies: Businesses involved in intermodal transportation, where goods are transferred between different modes of transportation such as truck, rail, and ship, may need Trailer Interchange insurance for the trailers used during these transfers.
What scenarios are covered by Trailer Interchange Insurance?
Trailers that you use to move goods from one place to another are covered by trailer exchange insurance. The majority of the time, if you want to do business with the firm that owns the trailer, you must first buy trailer interchange insurance. It covers costs associated with trailer damage in the following cases:
- Loading/ Unloading the freight
- Accidental fires
- Vandalism
- Accidents
- Theft
- Collision
How much does Trailer Interchange Insurance cost?
- The coverage limit and deductible - the higher the coverage limit, the higher the deductible.
- Trailer value - the more expensive the trailer is, the higher its insurance value. It only covers physical damage, not what the driver is transporting.
- The location where the accident took place.
- Loss of property in the past.
On average, Trailer Interchange coverage can range between $100 to $300 per month, depending on your policy specifics.
At SCI, our agents help you find affordable options while maintaining full compliance with your state and federal requirements.
Indicate State Specifics
Please note: Trailer Interchange Insurance is not available in the state of Virginia.
Why choose SCI as your Trailer Interchange Insurance Company?
At SCI, we work with top-rated carriers to offer fast, comprehensive, and affordable coverage options for every trucker. Whether you’re new to the industry or an experienced fleet operator, we’ll help you find protection that fits your needs.
We know the risks involved in hauling, loading, and unloading freight — that’s why our Trailer Interchange policies are designed to cover every angle of your operation.
When you partner with SCI, you’re not just buying insurance — you’re gaining a team that’s dedicated to keeping your trucking business secure, compliant, and profitable.
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