Auto hauler — over-the-road vehicle transport.
Per-vehicle limits, theft / dent coverage, garagekeepers exposure at terminals.

The specialty reality.

Your cargo is 6-10 vehicles at $35K-$90K each, lashed to a stinger or wedge. Standard cargo carriers don't write auto-haul well because the cargo limit math is different: not $100K combined, but $250K-$500K per-load with per-vehicle deductibles. Progressive and Markel write auto-haul correctly; most other carriers price defensively or sublimit dent / scratch / theft into uselessness.

The lines that anchor this specialty.

• 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 →
• 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 →

Situational add-ons

• TI · Trailer Interchange Physical damage to trailers and chassis you're hauling under an interchange agreement. Mandatory for intermodal / drayage.  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 →

Carriers who write this specialty.

From the 12-carrier panel, these are the markets with declared appetite for your specialty. Carriers that exclude or sublimit your specialty get removed automatically — we don't burn the market.

Don't choose a carrier that excludes your specialty

The rookie program-design error on specialty operations is binding with a generalist carrier whose policy sub-limits the very exposure that triggered the bind. We match per line: your AL might go to a generalist; your specialty cargo or pollution layer goes to a carrier that prices the exposure correctly instead of defensively.

What we typically see for this specialty.

Auto-haul claims skew toward: (1) parking-lot theft at staging yards (driver-managed terminals are a known exposure), (2) chain-and-strap damage during ridge-and-valley transit, (3) loading / unloading dent claims. Severity is moderate, frequency is high.

How we handle specialty claims

Per-vehicle cargo claims documented with VIN-by-VIN inspection at FNOL; garagekeepers Legal Liability triggered if loss occurred on your terminal. Cargo claim routed to the carrier writing your MTC, GKLL to your GK carrier (often different — and that's how the program holds).