Trailer Interchange Coverage for Non-Owned Trailers
Physical damage protection for trailers you pull under a written interchange agreement, in 50 states.
Trailer Interchange insurance for trucking fleets in 50 states
Trailer Interchange covers physical damage to non-owned trailers in your possession under a written interchange agreement.
Prestige Trucking Insurance places trailer interchange coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
Your physical damage policy stops at trailers you own
When you hook a trailer that belongs to another carrier, a shipper or a steamship line, damage to that unit is your contractual responsibility. Your own physical damage policy does not follow it, and the owner will invoice you for repairs.
Trailer interchange answers that exposure while the trailer is in your possession under a written interchange agreement. We match the limit to the highest value trailer you realistically pull, including refrigerated units and intermodal chassis.
No written agreement, no coverage
Interchange forms are triggered by a written agreement. Handshake arrangements at a yard gate leave you paying the repair invoice yourself. Keep signed agreements on file for every trailer owner you work with.
855-643-3881How the coverage is structured
Written agreement required
Coverage responds only under a written interchange agreement, so we confirm yours is on file.
Limit per trailer
Set to the highest value unit you pull, commonly $20,000 to $75,000 for reefers.
Comprehensive perils
Collision, fire, theft and vandalism while the trailer is in your care, custody and control.
Intermodal chassis
Chassis and container exposures addressed for drayage fleets working port and rail ramps.
Which policy pays for the trailer
| Scenario | Trailer you own | Trailer under interchange |
|---|---|---|
| Collision damage | Your physical damage policy | Trailer interchange coverage |
| Theft while parked | Comprehensive on your schedule | Interchange, if the written agreement is in force |
| Cargo inside the trailer | Motor truck cargo | Motor truck cargo, not interchange |
Questions motor carriers ask
What is trailer interchange insurance?
It is physical damage coverage for trailers you do not own but pull under a written interchange agreement, covering collision, fire, theft and vandalism while the unit is in your possession.
Is it the same as non-owned trailer physical damage?
They are related but not identical. Non-owned trailer coverage can respond without an interchange agreement, while trailer interchange is triggered by that written contract. We read both forms before choosing.
Who needs trailer interchange coverage?
Carriers who pull trailers owned by other carriers, shippers, steamship lines or leasing companies, including drayage and intermodal fleets. Call 855-643-3881 for a limit review.
Set My Interchange Limit
Tell us whose trailers you pull and we will size the limit to the agreements you actually sign.
Fleets of three or more power units across the 50 states we are licensed in.
Trailer Interchange coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending trailer interchange limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs trailer interchange coverage?
Trailer Interchange coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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