When it comes to trucking insurance, Landstar offers a range of comprehensive coverage options for Business Capacity Owners (BCOs) contracted with Landstar System, Inc. These insurance programs are designed to provide peace of mind and protection for BCOs and their operations.
Under the administration of Arthur J. Gallagher Risk Management Services, Landstar offers three main insurance programs for BCOs: Contractor Protection Plan, Unladen Liability, and Physical Damage. Additionally, BCOs can also opt for National Truck Protection for extended warranty and Roadside Masters for emergency roadside assistance.
Key Takeaways
- Landstar offers comprehensive insurance coverage options for Business Capacity Owners (BCOs).
- The insurance programs are administered by Arthur J. Gallagher Risk Management Services.
- The coverage options include Contractor Protection Plan, Unladen Liability, and Physical Damage.
- BCOs can also choose National Truck Protection and Roadside Masters for additional coverage and assistance.
- Landstar’s insurance programs provide peace of mind and protection for BCOs and their operations.
Contractor Protection Plan
The Contractor Protection Plan is a vital component of Landstar’s insurance coverage for Business Capacity Owners (BCOs). As independent contractors, BCOs do not have access to Landstar’s Workers’ Compensation program. Therefore, the Contractor Protection Plan offers essential coverage for occupational injuries, providing BCOs with the peace of mind they need.
Administered by Arthur J. Gallagher Risk Management Services, the Contractor Protection Plan includes various benefits to ensure comprehensive coverage:
- Accident-related medical expenses
- Disability income
- Accidental death and dismemberment coverage
This coverage is crucial for independent contractors who may not have access to traditional employee benefits. In the event of an accident or injury, BCOs can rely on the Contractor Protection Plan to help cover medical expenses and provide income support during their recovery.
Here is a sample breakdown of the coverage options available:
| Benefit | Coverage Option 1: $1,000,000 | Coverage Option 2: $2,000,000 |
|---|---|---|
| Accidental Death and Dismemberment | Up to $100,000 | Up to $100,000 |
| Total Disability | Benefits based on taxable income | Benefits based on taxable income |
| Accident-Related Medical Expenses | Up to $50,000 | Up to $100,000 |
| Survivor’s Benefits | Up to $10,000 | Up to $20,000 |
| Temporary Disability Income | Up to $200 per week for 24 weeks | Up to $200 per week for 24 weeks |
BCOs should select the coverage option that aligns with their financial needs and circumstances. The Contractor Protection Plan provides peace of mind, knowing that the unexpected is covered.
It’s important to note that the Contractor Protection Plan has certain limitations and exclusions. Here are a few examples:
- Medical treatment must be initiated within 90 days of the injury.
- Intentionally self-inflicted injuries are not covered.
- Sickness or disease is not covered.
- Accidents caused by intoxication or being under the influence are not covered.
- There are age restrictions for enrollment.
- Restrictions on medical provider charges may apply.
BCOs can rest assured that their Contractor Protection Plan is backed by leading insurance carriers. Zurich American Insurance Company provides coverage in the United States, while American Home Assurance Company handles coverage in Canada.
Insurance Carrier and Sample Coverage Certificates
The Contractor Protection Plan is underwritten by:
- Insurance Carrier (U.S.): Zurich American Insurance Company
- Insurance Carrier (Canada): American Home Assurance Company
BCOs can access sample coverage certificates for both the $1,000,000 and $2,000,000 coverage options:
Unladen Liability
Landstar recognizes the importance of providing comprehensive insurance coverage for its independent contractors. As part of this commitment, Landstar has obtained insurance coverage specifically designed to protect Business Capacity Owners (BCOs) from third-party bodily injury and property damage claims while operating on an unladen basis. This insurance coverage applies to BCOs while they are operating for Landstar.
This coverage, known as Unladen Liability, ensures that BCOs are protected in the event of accidents or incidents that may result in bodily injury or property damage to third parties. By having this coverage, Landstar BCOs can have peace of mind knowing that they are financially protected against potentially significant liabilities that may arise during their operations.
Key Features of Unladen Liability:
- Insurance coverage for third-party bodily injury and property damage.
- Applicable while BCOs are operating on an unladen (without a load) basis.
- Designed specifically for Landstar independent contractors.
In the trucking industry, accidents and incidents can happen unexpectedly. Unladen Liability coverage provides an additional layer of protection for Landstar BCOs, complementing their existing insurance and ensuring that they are adequately covered in various operating scenarios. By having this coverage, BCOs can focus on their business operations without having to worry excessively about potential liabilities.
Continue reading to learn more about the other insurance programs offered by Landstar to its independent contractors.
Physical Damage
As a Landstar independent contractor, protecting your truck from physical damage is essential for the smooth operation of your business. Landstar offers a comprehensive physical damage insurance program administered by Gallagher Transportation Services. This program is specifically designed to provide coverage for the physical damage of your trucks, ensuring that you are financially protected in the event of accidents, collisions, or other unforeseen incidents that may result in damage to your vehicle.
With Landstar’s physical damage insurance coverage, you can have peace of mind knowing that your investment is safeguarded. Whether it’s a minor dent or a major collision, this insurance program will help cover the cost of repairs and ensure that you can get back on the road as quickly as possible.
By opting for the physical damage insurance program offered by Gallagher Transportation Services, you can benefit from:
- Protection against unforeseen physical damage to your truck
- Financial coverage for repair or replacement costs
- Peace of mind and security for your business
It’s important to note that the specific coverage details, deductibles, and limits may vary depending on your individual insurance policy. To learn more about the physical damage insurance program and get a customized quote, it is recommended to contact Gallagher Transportation Services directly.
Sample Physical Damage Insurance Coverage
| Coverage | Details |
|---|---|
| Comprehensive Coverage | Covers damages to your truck caused by fire, theft, vandalism, or other non-collision incidents |
| Collision Coverage | Provides coverage for damages resulting from collisions with other vehicles or objects |
| Specified Perils Coverage | Covers damages caused by specific perils listed in your insurance policy |
| Aggregate Deductible | The amount you are responsible for paying in the event of a claim |
| Policy Limit | The maximum amount that the insurance company will pay for a covered claim |
National Truck Protection
Landstar BCOs have the option to enhance their insurance coverage with the exclusive extended warranty program offered by National Truck Protection (NTP). This program provides additional protection and peace of mind for Landstar BCOs, ensuring their trucks stay on the road and in optimal condition. By opting for National Truck Protection, BCOs can mitigate the financial risks associated with unexpected repairs and breakdowns.
With National Truck Protection, Landstar BCOs receive an extended warranty that covers a wide range of mechanical and electrical components. This warranty goes beyond the standard manufacturer’s warranty, providing an extra layer of coverage for repairs and replacements.
The extended warranty program offered by National Truck Protection includes:
- Comprehensive coverage for major engine components
- Coverage for transmission and drivetrain components
- Electronic and electrical components coverage
- Air conditioning and heating system coverage
- Brake system coverage
BCOs can refer to the linked brochure for more information on coverage options and pricing details provided by National Truck Protection.
| Extended Warranty Coverage | Pricing |
|---|---|
| Major engine components | $X |
| Transmission and drivetrain components | $X |
| Electronic and electrical components | $X |
| Air conditioning and heating system | $X |
| Brake system | $X |
Roadside Masters – Emergency Roadside Assistance
Landstar BCOs can rely on Roadside Masters, a comprehensive emergency roadside assistance program specifically designed to provide prompt assistance in case of mechanical breakdowns or emergencies on the road. This program offers a wide range of benefits, ensuring that BCOs can safely navigate any unforeseen challenges they may encounter during transport.
With Roadside Masters, Landstar BCOs have access to the following emergency assistance services:
- Towing services
- Fuel delivery
- Jump starts
- Lockout assistance
- Tire changes
- And more
Roadside Masters understands the importance of minimizing downtime and keeping operations running smoothly for Landstar BCOs. Whether it’s a flat tire, an empty fuel tank, or a dead battery, Roadside Masters is there to provide timely support and get BCOs back on the road as quickly as possible.
By participating in the Roadside Masters Emergency Roadside Assistance program, Landstar BCOs can have peace of mind knowing that help is just a phone call away. No matter where they are, Roadside Masters is available 24/7 to assist BCOs in their time of need.
For Landstar BCOs, Roadside Masters is a valuable resource that ensures their journey is not disrupted by unforeseen mechanical breakdowns or emergencies. The program’s prompt and reliable assistance helps BCOs stay on schedule, fulfill their commitments, and deliver their cargo safely and on time.
| Benefits of Roadside Masters – Emergency Roadside Assistance |
|---|
| 24/7 availability for emergency assistance |
| Prompt and reliable towing services |
| Quick fuel delivery to get BCOs back on the road |
| Jump starts for dead batteries |
| Lockout assistance for accidental lockouts |
| Tire changes for flat tires |
| And more services designed to assist BCOs in emergencies |
Coverage Options and Benefits of Contractor Protection Plan
The Contractor Protection Plan provides comprehensive coverage options for Landstar BCOs, offering valuable benefits and ensuring their peace of mind on the road. This plan is specifically designed to protect BCOs as they perform their duties as independent contractors.
Accidental Death and Dismemberment Coverage
One of the key benefits of the Contractor Protection Plan is its coverage for accidental death and dismemberment. In the unfortunate event of an accident resulting in the loss of life or limb, BCOs can rely on this coverage to provide financial support to their loved ones or themselves.
Total Disability Coverage
The Contractor Protection Plan also offers total disability coverage, providing income replacement in the event that a BCO becomes permanently disabled and is unable to continue working. This coverage ensures that BCOs can maintain their financial stability during challenging times.
Medical Expense Coverage
In the event of accident-related medical expenses, the Contractor Protection Plan provides coverage to help BCOs manage their healthcare costs. From emergency room visits to necessary surgeries and follow-up treatments, this coverage ensures that BCOs receive the medical care they need without worrying about the financial burden.
Survivor’s Benefits
In the unfortunate event of a BCO’s death, the Contractor Protection Plan provides survivor’s benefits to their designated beneficiaries. These benefits help alleviate the financial strain that may arise from the loss of income and support the BCO’s loved ones during a difficult time.
Temporary Disability Income
If a BCO experiences a temporary disability that prevents them from working for a specific period, the Contractor Protection Plan offers temporary disability income. This coverage helps replace lost income during the recovery period, enabling BCOs to focus on their health and well-being without financial worries.
Choosing the Right Coverage Option
The Contractor Protection Plan offers coverage options tailored to the needs of individual BCOs. BCOs can select either a $1,000,000 or $2,000,000 coverage option, depending on their specific requirements. The total aggregate benefit, including all covered aspects of the plan, is determined by the chosen coverage option.
Coverage Option Comparison
| Coverage Option | Accidental Death and Dismemberment | Total Disability | Medical Expense | Survivor’s Benefits | Temporary Disability Income |
|---|---|---|---|---|---|
| $1,000,000 | ✓ | ✓ | ✓ | ✓ | ✓ |
| $2,000,000 | ✓ | ✓ | ✓ | ✓ | ✓ |
When considering the Contractor Protection Plan, BCOs should carefully evaluate their coverage needs and select the option that provides the most appropriate level of protection. The table above provides a comparison of the coverage options available, highlighting the comprehensive benefits offered by each option.
By choosing the Contractor Protection Plan, Landstar BCOs gain access to valuable coverage benefits that protect them in the event of accident-related injuries or disabilities. This plan, administered by Arthur J. Gallagher Risk Management Services, ensures that BCOs can focus on their work while knowing they are safeguarded by reliable insurance coverage.
Limitations and Exclusions of Contractor Protection Plan
The Contractor Protection Plan, although comprehensive, does have certain limitations and exclusions that BCOs should be aware of. It is important to understand these restrictions to ensure appropriate coverage and avoid any unexpected gaps. The following are the key limitations and exclusions of the Contractor Protection Plan:
- Medical treatment initiation: BCOs must initiate medical treatment within 90 days of the injury to be eligible for coverage under the Contractor Protection Plan. It is crucial to promptly seek medical attention to comply with this requirement.
- Intentionally self-inflicted injuries: The plan does not cover intentionally self-inflicted injuries. This exclusion ensures that the plan is not exploited for malicious purposes and emphasizes the importance of responsible conduct.
- Sickness or disease: Coverage under the Contractor Protection Plan does not extend to sickness or disease unrelated to occupational injuries. The plan focuses on providing protection specifically for work-related accidents and incidents.
- Accidents caused by intoxication or being under the influence: The Contractor Protection Plan excludes coverage for accidents that occur while the BCO is intoxicated or under the influence of substances, including alcohol and drugs. This exclusion emphasizes the importance of responsible and sober operation.
- Age restrictions for enrollment: The plan may have age limitations for enrollment. BCOs should refer to the plan’s terms and conditions or contact Landstar for specific details regarding age restrictions, if applicable.
- Restrictions on medical provider charges: The Contractor Protection Plan may impose certain restrictions on the charges imposed by medical providers. BCOs should review the plan’s details to understand the extent of any possible limitations on medical provider fees.
By familiarizing themselves with these limitations and exclusions, BCOs can make informed decisions regarding their insurance coverage. It is essential to adhere to the plan’s guidelines and seek clarification from Landstar if any questions arise.
Contractor Protection Plan Limitations and Exclusions Summary
| Limitations and Exclusions | Description |
|---|---|
| Medical treatment initiation | BCOs must initiate medical treatment within 90 days of the injury. |
| Intentionally self-inflicted injuries | BCOs are not covered for intentionally self-inflicted injuries. |
| Sickness or disease | Coverage does not extend to sickness or disease unrelated to occupational injuries. |
| Accidents caused by intoxication or being under the influence | Accidents that occur while intoxicated or under the influence are excluded from coverage. |
| Age restrictions for enrollment | There may be age limitations for enrollment. BCOs should refer to the plan’s terms. |
| Restrictions on medical provider charges | The plan may impose limitations on charges from medical providers. |
Insurance Carrier and Sample Coverage Certificates
Landstar’s Contractor Protection Plan (CPP) coverage is provided by insurance carriers who specialize in providing comprehensive insurance solutions for transportation businesses. In the United States, Zurich American Insurance Company is the insurance carrier for the CPP coverage, while in Canada, American Home Assurance Company assumes this role.
To ensure transparency and provide peace of mind, Landstar offers the ability for Business Capacity Owners (BCOs) to review and access sample coverage certificates. These certificates provide detailed information about the coverage options available under the CPP, including the specific benefits and limits provided.
Sample Coverage Certificates
Below are links to the sample coverage certificates for both the $1,000,000 and $2,000,000 coverage options:
- Sample Coverage Certificate – $1,000,000 Option
- Sample Coverage Certificate – $2,000,000 Option
These sample certificates provide a clear understanding of the coverage details, terms, and conditions included in the CPP. BCOs can review them to make informed decisions about their insurance coverage needs and ensure they have the appropriate protection in place.
It is important for BCOs to carefully review the coverage certificates and consult with their insurance advisors or Landstar representatives to fully understand the scope of coverage, limitations, and any additional requirements.
Rules and Governing Provisions for Landstar Transportation Logistics, Inc.
The Land 100-A rules and provisions serve as a comprehensive guide for Landstar Transportation Logistics, Inc. and its affiliated operating companies. These regulations cover various crucial aspects, including abbreviations, reference marks, symbols, pricing program applications, customs regulations, inspections, rates, and other important governing provisions.
As an industry leader, Landstar Transportation Logistics, Inc. recognizes the significance of adhering to these rules to ensure efficient and compliant operations. These provisions apply to shipments between points within the United States, as well as between the United States and Canada or Mexico.
Understanding and following the Land 100-A rules and provisions are essential for all stakeholders involved in the transportation process. By upholding these regulations, Landstar Transportation Logistics, Inc. maintains a high standard of professionalism, integrity, and operational excellence.
Definitions and Reference to Contract, Pricing Schedule/Tariff
The Land 100-A rules provided by Landstar Transportation Logistics, Inc. contain a comprehensive list of definitions for various terms used in the provisions. These definitions are crucial for understanding the intricacies and nuances of the Landstar system. By referring to the Land 100-A rules, BCOs can ensure clear interpretation and application of the rules and provisions.
In addition to definitions, the Land 100-A rules also include references to contracts, pricing schedules, tariffs, and other governing publications. These references further clarify the contractual obligations and pricing structures within the Landstar system. It is important for BCOs to familiarize themselves with these references to accurately navigate the contract, pricing, and tariff processes.
By adhering to the Land 100-A rules and taking into account the defined terms and referenced documents, BCOs can ensure compliance, avoid misunderstandings, and effectively navigate the contractual and pricing aspects of their partnership with Landstar Transportation Logistics, Inc.
FAQ
What insurance programs does Landstar offer for Business Capacity Owners (BCOs)?
Landstar offers three insurance programs for BCOs: Contractor Protection Plan, Unladen Liability, and Physical Damage. BCOs can also opt for National Truck Protection for extended warranty and Roadside Masters for emergency roadside assistance.
What does the Contractor Protection Plan cover?
The Contractor Protection Plan provides coverage for occupational injuries for Landstar BCOs. It offers benefits such as accident-related medical expenses, disability income, and accidental death and dismemberment coverage.
Are Landstar BCOs covered for third-party bodily injury and property damage claims while operating on an unladened basis?
Yes, Landstar has obtained insurance coverage to protect BCOs from third-party bodily injury and property damage claims while operating on an unladened basis.
Is there insurance coverage for the physical damage of trucks for Landstar BCOs?
Yes, Landstar BCOs have the option to select a physical damage insurance program administered by Gallagher Transportation Services.
Can Landstar BCOs opt for extended warranty coverage?
Yes, Landstar BCOs can opt for the exclusive extended warranty program offered by National Truck Protection (NTP).
Is there emergency roadside assistance available for Landstar BCOs?
Yes, Landstar BCOs are eligible to participate in the Roadside Masters Emergency Roadside Assistance program.
What benefits are included in the Roadside Masters Emergency Roadside Assistance program?
The Roadside Masters program offers benefits such as towing services, fuel delivery, jump starts, lockout assistance, and more.
What does the Contractor Protection Plan cover in terms of accidental death and dismemberment?
The Contractor Protection Plan provides coverage for accidental death and dismemberment. The total aggregate benefit depends on the selected coverage option (
FAQ
What insurance programs does Landstar offer for Business Capacity Owners (BCOs)?
Landstar offers three insurance programs for BCOs: Contractor Protection Plan, Unladen Liability, and Physical Damage. BCOs can also opt for National Truck Protection for extended warranty and Roadside Masters for emergency roadside assistance.
What does the Contractor Protection Plan cover?
The Contractor Protection Plan provides coverage for occupational injuries for Landstar BCOs. It offers benefits such as accident-related medical expenses, disability income, and accidental death and dismemberment coverage.
Are Landstar BCOs covered for third-party bodily injury and property damage claims while operating on an unladened basis?
Yes, Landstar has obtained insurance coverage to protect BCOs from third-party bodily injury and property damage claims while operating on an unladened basis.
Is there insurance coverage for the physical damage of trucks for Landstar BCOs?
Yes, Landstar BCOs have the option to select a physical damage insurance program administered by Gallagher Transportation Services.
Can Landstar BCOs opt for extended warranty coverage?
Yes, Landstar BCOs can opt for the exclusive extended warranty program offered by National Truck Protection (NTP).
Is there emergency roadside assistance available for Landstar BCOs?
Yes, Landstar BCOs are eligible to participate in the Roadside Masters Emergency Roadside Assistance program.
What benefits are included in the Roadside Masters Emergency Roadside Assistance program?
The Roadside Masters program offers benefits such as towing services, fuel delivery, jump starts, lockout assistance, and more.
What does the Contractor Protection Plan cover in terms of accidental death and dismemberment?
The Contractor Protection Plan provides coverage for accidental death and dismemberment. The total aggregate benefit depends on the selected coverage option ($1,000,000 or $2,000,000).
Are there any limitations or exclusions to the Contractor Protection Plan?
Yes, the Contractor Protection Plan has limitations and exclusions. Intentionally self-inflicted injuries, accidents caused by intoxication, and certain sickness or diseases are not covered.
Who provides the coverage for the Contractor Protection Plan?
The coverage for the Contractor Protection Plan is provided by Zurich American Insurance Company in the United States and American Home Assurance Company in Canada.
Where can Landstar BCOs access sample coverage certificates for the Contractor Protection Plan?
Landstar BCOs can view or print sample coverage certificates for both $1,000,000 and $2,000,000 options on the Landstar website.
Are there any rules and provisions governing Landstar Transportation Logistics?
Yes, the Land 100-A rules and provisions provide information on various aspects related to Landstar Transportation Logistics, such as pricing programs, customs regulations, inspections, rates, and more.
Are there definitions and references available for the Land 100-A rules and provisions?
Yes, the Land 100-A rules provide definitions of various terms used in the provisions and also reference contracts, pricing schedules, tariffs, and other governing publications related to Landstar Transportation Logistics.
,000,000 or ,000,000).
Are there any limitations or exclusions to the Contractor Protection Plan?
Yes, the Contractor Protection Plan has limitations and exclusions. Intentionally self-inflicted injuries, accidents caused by intoxication, and certain sickness or diseases are not covered.
Who provides the coverage for the Contractor Protection Plan?
The coverage for the Contractor Protection Plan is provided by Zurich American Insurance Company in the United States and American Home Assurance Company in Canada.
Where can Landstar BCOs access sample coverage certificates for the Contractor Protection Plan?
Landstar BCOs can view or print sample coverage certificates for both
FAQ
What insurance programs does Landstar offer for Business Capacity Owners (BCOs)?
Landstar offers three insurance programs for BCOs: Contractor Protection Plan, Unladen Liability, and Physical Damage. BCOs can also opt for National Truck Protection for extended warranty and Roadside Masters for emergency roadside assistance.
What does the Contractor Protection Plan cover?
The Contractor Protection Plan provides coverage for occupational injuries for Landstar BCOs. It offers benefits such as accident-related medical expenses, disability income, and accidental death and dismemberment coverage.
Are Landstar BCOs covered for third-party bodily injury and property damage claims while operating on an unladened basis?
Yes, Landstar has obtained insurance coverage to protect BCOs from third-party bodily injury and property damage claims while operating on an unladened basis.
Is there insurance coverage for the physical damage of trucks for Landstar BCOs?
Yes, Landstar BCOs have the option to select a physical damage insurance program administered by Gallagher Transportation Services.
Can Landstar BCOs opt for extended warranty coverage?
Yes, Landstar BCOs can opt for the exclusive extended warranty program offered by National Truck Protection (NTP).
Is there emergency roadside assistance available for Landstar BCOs?
Yes, Landstar BCOs are eligible to participate in the Roadside Masters Emergency Roadside Assistance program.
What benefits are included in the Roadside Masters Emergency Roadside Assistance program?
The Roadside Masters program offers benefits such as towing services, fuel delivery, jump starts, lockout assistance, and more.
What does the Contractor Protection Plan cover in terms of accidental death and dismemberment?
The Contractor Protection Plan provides coverage for accidental death and dismemberment. The total aggregate benefit depends on the selected coverage option ($1,000,000 or $2,000,000).
Are there any limitations or exclusions to the Contractor Protection Plan?
Yes, the Contractor Protection Plan has limitations and exclusions. Intentionally self-inflicted injuries, accidents caused by intoxication, and certain sickness or diseases are not covered.
Who provides the coverage for the Contractor Protection Plan?
The coverage for the Contractor Protection Plan is provided by Zurich American Insurance Company in the United States and American Home Assurance Company in Canada.
Where can Landstar BCOs access sample coverage certificates for the Contractor Protection Plan?
Landstar BCOs can view or print sample coverage certificates for both $1,000,000 and $2,000,000 options on the Landstar website.
Are there any rules and provisions governing Landstar Transportation Logistics?
Yes, the Land 100-A rules and provisions provide information on various aspects related to Landstar Transportation Logistics, such as pricing programs, customs regulations, inspections, rates, and more.
Are there definitions and references available for the Land 100-A rules and provisions?
Yes, the Land 100-A rules provide definitions of various terms used in the provisions and also reference contracts, pricing schedules, tariffs, and other governing publications related to Landstar Transportation Logistics.
,000,000 and ,000,000 options on the Landstar website.
Are there any rules and provisions governing Landstar Transportation Logistics?
Yes, the Land 100-A rules and provisions provide information on various aspects related to Landstar Transportation Logistics, such as pricing programs, customs regulations, inspections, rates, and more.
Are there definitions and references available for the Land 100-A rules and provisions?
Yes, the Land 100-A rules provide definitions of various terms used in the provisions and also reference contracts, pricing schedules, tariffs, and other governing publications related to Landstar Transportation Logistics.
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