Exclusion

Common trucking exclusions to review before binding

• Cargo: may exclude specific commodities, theft from unattended vehicles, temperature losses, or rejection without physical damage
• Pollution: may limit coverage for spill cleanup, environmental damage, or fuel release events
• Contractual liability: may exclude obligations a carrier assumes by contract beyond what would exist without the contract
• Wear and tear: mechanical failure and gradual deterioration are typically excluded from physical damage
• Intentional acts: losses caused deliberately are not covered

Finding exclusions before accepting new work

Exclusions are usually in the main policy forms, not the declarations page. Reviewing them before accepting a new commodity, entering a new contract, or expanding into a new region can identify gaps that an endorsement or a different policy form might address. An exclusion discovered during a claim review is harder to resolve than one found at binding.