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Physical Damage

Generally physical damage to an automobile results from colliding with another object or the overturning of the vehicle. However, fire, explosion, theft, vandalism, malicious mischief, windstorm, hail, earthquake or floods can also cause physical damage to commercial vehicles. To limit the exposure to costly repairs, physical damage insurance can be tailored by specific peril or named peril coverage.

Physical Damage Insurance through Burns & Wilcox provides coverage for large fleets to small vehicles. As a leading provider of wholesale insurance, Burns & Wilcox can provide access to unique coverage tailored to the needs of each of your clients to protect them from financial damages resulting from claims related to their business operations.

 

Coverage Details and Features

Details

  • Can handle a large range of accounts
  • Monoline or stand-alone policies available
  • Flexible deductibles
  • Combined deductibles available on packages
  • Packages Available with Motor Truck Cargo and/or Auto Liability
  • Reporting form options available for larger accounts
  • In select cases, interest free payment plans available
  • Admitted and non-admitted policies available
  • Coverage varies by risk and need

Additional coverages available with select carriers

  • Downtime loss of expense coverage
  • Electronic equipment coverage
  • Loan or lease gap coverage
  • Towing coverage options available
  • Diminishing deductible
  • Personal effect coverage
  • On board expendable supplies

Target Classes

  • For hire truckers
  • Not for hire truckers
  • 100 mile radius truckers
  • 300 mile radius truckers
  • 500 mile radius truckers
  • Unlimited mile radius truckers
  • Long haul trucking operations
  • Intermediate trucking operations
  • Specialty Classes Select Commercial Auto Fleets For hire truckers Not for hire truckers 100 mile radius truckers 300 mile radius truckers 500 mile radius truckers Unlimited mile radius truckers Long haul trucking operations Intermediate trucking operations Local trucking operations
  • Bobtail
  • Non-trucking
  • Grain haulers
  • Agricultural products (grains, produce, general farm freight)
  • Farm equipment
  • Farm vehicles
  • Fertilizer (bagged, bulk, liquid)
  • Horse haulers
  • Livestock haulers
  • Milk haulers
  • Lumber Haulers
  • Logging Trucks
  • LPG Haulers
  • Lumber yards
  • Wood chip delivery
  • Produce haulers
  • Pulp wood
  • Dirt, rock, sand, or gravel
  • General aggregate products
  • Hay haulers
  • Asphalt and paving
  • Cement or ready mix
  • Contaminated dirt or dirty dirt
  • Contractors’ equipment
  • Construction equipment
  • Heavy equipment
  • Machinery
  • Heavy haul
  • Building supplies
  • Pre-fabricated buildings
  • Pre-fabricated concrete
  • Ready mix operations
  • Pallet haulers
  • Pipe haulers
  • Food delivery
  • Wholesale food distribution
  • Dry food products
  • Refrigerated products
  • Dry freight
  • Milk haulers
  • Liquid food products
  • Seafood delivery
  • Crude oil haulers
  • Water haulers (including fracking)
  • Contaminated dirt or dirty dirt
  • Diesel fuel hauler
  • Gasoline hauler
  • Chemical haulers
  • Jet fuel haulers
  • Coal haulers
  • Butane hauler
  • Propane hauler
  • Fertilizer (bagged, bulk, liquid)
  • Fracking liquids
  • Hazardous waste haulers
  • Home heating oil
  • Fuel haulers
  • Garbage haulers
  • Waste oil
  • Waste disposal
  • Tank trucks
  • Recycled grease or oil
  • Recyclables
  • Oil filled equipment haulers
  • Scrap metal
  • Lab waste haulers
  • Medical waste haulers
  • Bio hazard haulers
  • Medical equipment haulers
  • Pharmaceuticals
  • Auto transport
  • Auto parts haulers
  • Boats
  • Car carriers
  • Motorcycles, mopeds, scooter haulers
  • Mobile home totter
  • Container haulers
  • Containerized Freight
  • Dump truck operations
  • Explosive Hauler
  • Furniture delivery
  • Household goods movers
  • Hazardous goods
  • House movers
  • Bulk liquid haulers
  • Metal dealers
  • Metal transporters
  • Mining equipment
  • Office equipment haulers
  • Paper products
  • Retail delivery
  • Steel haulers
  • UIIA Hauler
  • Wholesale delivery

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

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