FAQs

A member-owned captive insurance company with a unique focus on the intermodal drayage industry.

Our focus on the intermodal niche of the transportation industry allows to concentrate on the unique set of needs of our clients. Our coverages are custom-tailored to the necessities of intermodal drayage operations.

We offer all standard coverage needed by those in the transportation industry including auto liability, physical damage, cargo, general liability, real and personal property, workers compensation, warehouse legal, and umbrella liability.  Additionally, we can provide some of the nuance coverages that can be critical to the transportation clients, such as occupational accident and injury for independent contractors and blanket employee crime policies, to include independent contractor resources.

Our dynamic program is continually expanding and though we primarily focus our intermodal operations, we are extremely flexible with our scope of coverages.

Become a stockholder is easier than you think. Watch our 3-minute introduction video to understand the benefits of becoming a stockholder and owner of your own insurance company: Watch Here

The ICANA program offers owner-operators access the benefits of the Intermodal Insurance Program.

Fleet owners are welcome to become stockholders and become a part of the board of directors which governs the program.

Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person.

If you have a loan on your vehicle, or if you want to fully protect your vehicle, you should choose Physical Damage insurance.

Used in instances of title of property (such as a vehicle) to refer to the person who has right of property, as opposed to the party that merely has right of possession. 

Technically no, but we recommend that you still carry it; your truck is your livelihood, and you need to protect it.

Almost always, yes, and your trucking insurance rates will probably not change at all.

We make it as easy as possible for you to pay for trucking insurance by doing an automatic check withdrawal from your account every month, accepting all major credit cards, and we accept checks by mail.

Refrigeration Breakdown Insurance provides coverage up to a separate limit shown on the schedule for spoilage of perishable stock while the stock is in transit on a vehicle.

Provides employers without workers’ compensation coverage an alternative, including accidental death and dismemberment, disability, and medical expenses.

Coming soon.

Through our association with Smith System Safety Training program we are able to offer safety training courses and on-the-road driver rehabilitation course to our members at no additional costs to them. Our program also hosts 2-3 safety conferences annually for our owner-operators, small carriers, and large fleets.

Yes. Our member services program offers discounts at many maintenance locations, as well as discounted health insurance solutions for our drivers and their families. Please visit our member services section here.

We are able to provide flexible rates which fit your specific needs. We offer insurance packages which may save you money, but we also offer individual coverages to fit your unique requirements. Coverage plan designs also include large deductible and Self Insured Retention (SIR) programs for the larger and more sophisticated insured.  Single and group captive programs are also among our tools to formulate the best risk funding mechanism for your company. 

This niche program addresses the special needs of intermodal drayage firms. This unique program provides all insured with coverage issued by an A-rated, admitted insurance company in every state, while at the same time providing participation by every insured in underwriting profits. Moreover, the program provides rate stability and predictability for every participating insured.