Pulling trailers you don’t own is standard practice in drayage, intermodal, and power-only freight. But if that borrowed trailer is damaged while it’s in your care, you’re on the hook — and your physical damage policy only covers equipment you own. Trailer interchange coverage closes that gap.
What It Covers
- Collision damage to a non-owned trailer in your possession
- Fire, theft, explosion, and vandalism
- Coverage applies whether the trailer is attached to your tractor or dropped, as long as it’s in your care under the agreement
Who Needs It
Carriers and owner-operators working UIIA intermodal freight, port drayage, or power-only loads under a written trailer interchange agreement. UIIA participation specifically requires trailer interchange coverage — usually $20,000–$50,000 per trailer with limited deductible options.
Cost Factors
Premium follows your limit, deductible, radius, and how many trailers you typically have in your care. It’s commonly added to your commercial auto liability or packaged with motor truck cargo for intermodal operators.
Start your quote or call 855-586-7467 — most operators get numbers the same day.
Trailer Interchange FAQs
What is trailer interchange insurance?
Trailer interchange coverage pays for physical damage to a trailer you’re pulling but don’t own, under a trailer interchange agreement — common in drayage, intermodal, and power-only work. It covers collision, fire, theft, and vandalism to the borrowed trailer.
How much trailer interchange coverage do I need?
Most interchange agreements require $20,000 to $50,000 per trailer — enough to replace a standard dry van. Reefer and specialized trailers run higher. Your agreement sets the floor; we match the policy to it.
What’s the difference between trailer interchange and non-owned trailer coverage?
Trailer interchange requires a written interchange agreement and covers the trailer whether attached or not. Non-owned trailer physical damage covers a trailer in your possession while attached to your tractor, no written agreement needed. Which one you need depends on how you get your trailers.