Large account — 51+ power units.
Coordinated towers. Per-line specialty markets. No monolith.

The operator-level reality.

51+ units is where single-carrier whole-policy programs leak the most premium. Your AL might belong on Berkshire-NICO with a $5M XS tower; your MTC on a specialty cargo market; your WC on a multi-state employer market; your EPLI + CYB on package writers. A whole-policy push at this scale costs six figures annually that piece-out captures.

Lines that anchor your program.

• AL · Auto Liability Bodily injury and property damage you cause operating a motor vehicle for hire. The anchor line — every other coverage layers on this one.  Detail →
• APD · Auto Physical Damage Collision and comprehensive coverage for your own tractors, trailers, and equipment. Required when units are financed.  Detail →
• MTC · Motor Truck Cargo Damage to the cargo you're hauling. Required by nearly every broker contract; the line where rookie carriers leak the most premium.  Detail →
• WC · Workers' Compensation State-mandated coverage for on-the-job injuries to your W-2 drivers and employees. Texas is the only fully optional state.  Detail →
• GL · General Liability Premises and operations liability — claims arising from your terminal, yard, or business activities that AL doesn't reach.  Detail →
• XS · Excess / Umbrella Liability Layered limits above your primary AL, GL, and Employers Liability. The line that's no longer optional for any fleet with contractual $5M+ requirements.  Detail →
• EPLI · Employment Practices Liability Discrimination, harassment, wrongful termination, retaliation claims from employees. Triggered once W-2 headcount crosses 10-15 — especially in CA / NY / NJ.  Detail →
• CYB · Cyber Liability ELD, TMS, and dispatch-system exposure. Increasingly required by broker contracts as ransomware on trucking dispatch becomes routine.  Detail →

Situational add-ons

• TI · Trailer Interchange Physical damage to trailers and chassis you're hauling under an interchange agreement. Mandatory for intermodal / drayage.  Detail →
• OA · Occupational Accident Benefit package for 1099 owner-operators — AD&D, weekly indemnity, medical — without triggering W-2 employee classification.  Detail →
• TR · Trucker's Equipment (Rented) Physical damage to tractors, trailers, and specialty equipment you rent or borrow — distinct from your owned (APD) and interchanged (TI) equipment.  Detail →
• GK · Garagekeepers Legal Liability Legal liability for damage to customer vehicles in your custody, custody, and control (CCC) — terminals, yards, repair facilities, auto-haul staging.  Detail →

Carriers that fit your segment.

From the 12-carrier panel, these are the markets with appetite for your operator profile. Per-line piece-out reaches each one independently.

What we typically see.

Large-account loss frequency follows fleet size linearly; severity follows commodity mix + lane density. The XS tower is no longer optional — most large shippers contract-require $5M+ combined limits, and broker-load-board access often requires the same.

How we handle claims

Large-account claims advocacy is dedicated — quarterly loss-run review, mid-term endorsement coordination across 6-8 carriers, dedicated FNOL line for triage. Renewal positioning runs T-180 (six months out) for accounts at this scale.