Discover New Excess Insurance Flexibility with TripExcess®

Discover New Excess Insurance Flexibility with TripExcess®


May 14th, 2025


The excess insurance landscape for Motor Carriers has always been dynamic, requiring solutions tailored for flexibility, efficiency, and value.  That’s where TripExcess® has continually shined.  Originally addressing a critical gap in Trucking insurance, TripExcess® has revolutionized how agents and carriers approach excess coverage.  Today, we’re building on its success by introducing exciting new enhancements for 2025.


These updates bring even more flexibility and precision to excess insurance, helping Motor Carriers streamline operations and agents better serve their clients.  With the addition of Vehicle-Specific Coverage, updated policy wording, and a renewed commitment to clarity, TripExcess® is setting a new standard for the industry.

 

What’s New with TripExcess®?


Expanding from its initial trip-based coverage model, TripExcess® now introduces Vehicle-Specific Coverage.  This new feature lets Motor Carriers link excess insurance directly to a pulling unit’s Vehicle Identification Number (VIN).


How does this change the game?  By covering multiple pick-ups and deliveries within a defined period, carriers can increase their load capacity and operational flexibility without the financial burden of an annual policy.  This ensures companies only pay for what they need when they need it.


For carriers managing fluctuating schedules and demands, the ability to secure coverage tied to a VIN rather than a single trip marks a shift toward greater adaptability and cost efficiency.

 

Key Policy and Document Updates for 2025


TripExcess® is also refined to provide even more clarity and confidence to agents and clients alike.


1) Clarity on Coverage

  • Updated wording now explicitly states that TripExcess® provides excess insurance over a Motor Carrier’s AL/GL and/or Cargo policies.  This change eliminates uncertainty, ensuring all stakeholders understand their coverage scope clearly.


2) Policy Modifications

  • Assault & Battery Exclusion has been introduced to align with modern industry standards.
  • Territory wording for compliance with ISO standards ensures standardized coverage for both trip-based and VIN-linked policies.
  • Excluded Commodities updates now precisely identify ineligible items, such as residential or corporate moving operations, modular homes, and structures.


These updates reduce compliance concerns for agents while offering clients a clear depiction of their coverage benefits.

 

Benefits That Agents and Motor Carriers Can Count On


TripExcess® has always been more than just an excess insurance product.  Since its inception, it has been a solution tailored for fast-paced trucking operations.


Highlights of What Agents Can Expect to Deliver to Clients:


  • On-Demand Coverage - With a seamless online portal, quoting, binding, and issuing certificates becomes a matter of minutes.  TripExcess® remains accessible anytime, offering convenience that traditional policies can’t match.
  • Cost-Effective Options - By allowing carriers to secure coverage for specific trips or vehicles, agents can deliver affordable solutions tailored to their operational needs.
  • Risk Mitigation - By shifting the coverage focus to Motor Carrier liability instead of shippers, TripExcess® reduces exposure to uninsured losses from subrogation claims.

 

Why the New Features Matter


These enhancements reflect insights gained from providing agents with a faster, streamlined process and empowering Motor Carriers to take on higher-paying loads without the constraints of long-term policies.  The emphasis on adaptability and clarity ensures that TripExcess® continues to serve as a vital tool for agents to build trust and deliver unmatched value to their clients.

 

Experience the New TripExcess® Today


If you’ve already seen the benefits TripExcess® offers, the 2025 updates take those advantages further.  With vehicle-specific flexibility, more precise coverage terms, and simplified compliance, it’s easier than ever for agents to help their clients unlock new excess insurance opportunities.


Share the updated program with your clients to explore the potential of these enhancements.  Contact us today for access to the updated Sample Certificate, 2025 Renewal Policy, or more details on Vehicle-Specific Coverage.


TripExcess® - Making smarter insurance solutions, simpler.


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