Skip to main content

Why THREE > Transportation: Trucking & Delivery


Transportation: Trucking & Delivery

Whereas some businesses can adequately protect themselves with security cameras, strong locks or encrypted passwords, your business is flying down the highway at 65 mph. From accidents to injuries to theft, risk may be an unavoidable part of the transportation business, but it doesn’t need to limit how far you can go.

THREE was created not just to help keep your business moving forward but to let you take it in new directions. So, if you decide to start renting your trucks out on weekends, expand your range of operations, give us a quick call and we’ll just update your account.

No matter how great an idea or perfect a plan, so much remains out of your control. That’s why THREE was designed to provide the kind of comprehensive coverage necessary to protect your operations, your people and your property, so you can keep your business going and growing.

Your Operations

You’ve built a solid reputation in the business. Clients know they can count on you to deliver, on time. Employees know you take care of your vehicles, and them. But you don’t operate in a world filled only with open roads and warm sunshine, there are hazards out there and sometimes things just happen.

Loose equipment and flying debris cause over 50,000 car crashes annually.

Your Operations, dropped cargo scenario


It had been raining on and off all day. Around rush hour it started pouring. One of my drivers in an 18-wheeler lost control and rear ended a little compact, before jack-knifing and hitting another truck in the oncoming lane. It was a mess. Within a week I’d heard from lawyers for four different injured parties.

Your Operations, hack scenario


We’ve been doing pretty well lately, even added a new truck this year. I guess it’s true what they say about good word of mouth. But about 6 months ago I got hacked. My customers’ contact information, billing information, it was all taken. Or at least compromised. Who knows what they got or what they’re going to do.

Your Operations, breakage scenario


In this business you never know what you’re going to be hauling. Last winter we were moving a load of Lucky Cats—those waving cats you always see in Chinese restaurants. Anyway, it was kind of wet and slushy, and the truck jackknifed. Then a bread truck slammed into it. The road was littered with mangled metal, shattered glass and about 2,000 broken cats. Not exactly lucky.

Your People

Those trucks aren’t going to drive themselves, not yet anyway, which is why taking care of your people is the first step in taking care of your business. There’s more to keeping your employees healthy and safe than just telling them to wear a seatbelt, though. Often when you hear about an injured driver you assume there was an accident, but drivers are actually more likely to be hurt loading or unloading goods.

The trucking industry has among the highest rates for workers’ compensation claims.

Your People, break scenario


I have a contract with this tile company. A few weeks ago we were delivering a ton (literally) of glass tile to one of their stores. While we were unloading, one of the boxes started to slip. Steve lunged to try to catch it, but—have you ever tried to catch a box of tile with one hand? Exactly. He broke his arm.

Your People, flip scenario


I’m big on safety. I take care of my trucks and always tell my drivers that it’s better to update their ETA than be DOA. Last year, during flu season, John wasn’t feeling well but came in anyway. He was on his way back from a delivery when he nodded off. Went off the road and flipped on his side. He was banged up pretty bad and couldn’t drive for 6 weeks.


Your People, clean scenario


When my mechanic found a bag of cocaine in one of our trucks, I confronted the driver. He denied it was his, but I had no choice but to fire him on the spot. I told him that if he came back with proof that he’d received treatment and was clean I’d consider rehiring him. Instead he came back with a lawyer and sued me for “wrongful” termination.

Your Property

Your business depends on getting goods from point A to point B. But when you’re down a vehicle you are at a huge disadvantage. Sometimes that might mean a delay, but more often than not it means a loss of business. Let’s face it, your clients don’t care if you’re dealing with an accident, theft, or a maintenance issue.

Cargo theft accounts for $15 to $30 billion in merchandise loss each a year.

Your Property, flood scenario


Once the mayor ordered the evacuation, I knew it was going to be bad. I’ve only got 5 trucks in my “fleet” but all my drivers were busy packing up and driving their own cars out of town. I thought I’d be able to get back in time to rescue a second truck, but with the traffic, there was just no way.

Your Property, theft scenario


It couldn’t have been an empty, third-hand truck. Nope, it had to be the one new truck in my fleet. About 20 miles from the delivery point Greg made a pit stop. He was in and out in 10 minutes, but it only took five for someone to drive off. Not sure if they were after the truck or the 2,000 pairs of sneakers he was hauling, but they got both.


Bottom Hero, team moving boxed goods

From local deliveries to cross-country shipments

Without the transportation business, most businesses would grind to a halt. Which is why we do everything in our power to make sure nothing slows you down. From quick claims processing to rental vehicles to legal counsel, we’re here for your business.

THREE provides comprehensive coverage for:

Small business coverage then.

Coverages and gaps notes

Small business coverage now.

THREE policy pages on a table
THREE will take care of any necessary federal and state filings so you won’t be refused a load or taken out of service at a truck stop.
phone icon

Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

An ounce of prevention

The best way to protect your business is to educate your staff to help prevent risky situations to begin with. In addition to online training tools, THREE offers these convenient posters that you can print out and start using right now.

Ready to simplify your insurance and get ready for whatever comes next?

Get A Quote