Frequently Asked Questions

• Who is Zurich?
• Who is the insurance company that underwrites the Motor Truck Cargo policy?
• Who is Zurich InsuranceLink?
• When I'm ready to apply, where do I go to get insurance?
• What types of insurance coverages are offered through CommercialAutoSite.com?
• What are the benefits of insuring Motor Truck Cargo through InsuranceLink?
• Is Motor Truck Cargo Insurance available in all states?
• What types of payment options are available?
• What types of commodities are not eligible for coverage?

Who is Zurich?

Zurich (www.zurichna.com) refers to Zurich American Insurance Company and its underwriting subsidiaries, a leading commercial property and casualty provider in the United States. Zurich is an "A" rated company*, and is a member of the worldwide Zurich Financial Services group of companies, which has been serving businesses for nearly 130 years.

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Who is the insurance company that underwrites the Motor Truck Cargo policy?

Insurance coverages are underwritten by Zurich American Insurance Company and its subsidiaries.

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Who is Zurich InsuranceLink?

Zurich InsuranceLink is the brand name of the Zurich Insurance Services, Inc.**, a licensed, independent insurance agency that works with Zurich to bring you a Commercial insurance program. All insurance coverages written through the Commercial insurance program are written through the agency of Zurich InsuranceLink.

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When I'm ready to apply, where do I go to get insurance?

You can fill out an Online Application, or our licensed agents can create your policy over the phone by calling 1-866-578-2893, from 7:30 AM to 7:30 PM EST, Monday - Friday.

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What types of insurance coverages are offered through CommercialAutoSite.com

Motor Truck Cargo Insurance and Commercial Vehicle Insurance are available.

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What are the benefits of insuring Motor Truck Cargo through InsuranceLink?

Cargo coverage limits up to $1 million

Where required, Zurich will handle all federal, state, and local insurance filings to ensure proper evidence of insurance

Optional Motor Truck Cargo coverage available for:

• Combined auto physical damage and cargo deductible endorsement in the event of both an auto and cargo loss. (Not available in all states).
• Refrigerated breakdown coverage extension
• Coverage extension to include Owner's Goods

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Is Motor Truck Cargo Insurance available in all states?

Coverage is available in the following states: AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, KS, MI, MN, MT, NE, NV, NC, OH, OR, PA, SC, TN, UT, WI, WY.

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What types of payment options are available?

Premium financing is available.

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What types of commodities are not eligible for coverage?

• Antique Furniture
• Currency (Coins, Printed Bills or any Other Instrument Used as a Medium of Exchange)
• Electronics
• Explosives, Ammunition or Firearms
• Fine Arts
• Furs
• Garbage
• Hazardous Materials
• Liquor
• Logs
• Mail or Parcels
• Mobile or Manufactured Homes
• Precious Stones, Metals
• Seafood
• Tobacco (processed)
• Towed Vehicles

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*2008 AM Best Rating

** Zurich Insurance Services, Inc. ("ZIS") is located at 5011 Gate Parkway, Jacksonville, Florida 32256; its California license number is 0D44490. ZIS is licensed in all 50 states plus DC. ZIS is an independent agency, and is not a subsidiary of Zurich.

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