Heavy haul / specialized — over-dimensional, over-weight.
State permits, escort vehicles, pilot-car coordination — and per-load cargo limits.

The specialty reality.

You move oversized loads — wind components, heavy machinery, modular buildings. Per-load cargo values routinely exceed $500K. Standard cargo limits are useless to you. Your AL carrier needs to understand that oversized loads under permit operate under different liability triggers — and your pilot-car / escort vehicle exposure may need scheduled coverage of its own.

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 →
• 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 →

Situational add-ons

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

Heavy-haul severity is the highest in trucking. Frequency is low — most loads complete without incident — but a single overturned wind blade is a multi-million-dollar event. Per-load cargo values often exceed $1M combined. The XS tower and per-load scheduled cargo limits are non-negotiable.

How we handle specialty claims

Pre-bind: per-load value verification, permit documentation, route survey, escort-vehicle scheduling. At FNOL: permit-state regulatory notification, salvage coordination, load-recovery contractor dispatched. We treat heavy-haul claims as project-level events, not transactional.