# Policy Types Overview

This page provides a structured explanation of all supported insurance policy types. Each type defines what it covers, when it applies, and which assets it should be linked to.

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### 📘 1. Commercial General Liability

* **Covers:** Third-party bodily injury, property damage, legal defense.
* **Required for:** All carriers engaging with brokers or shipper contracts.
* **Applies to:** Company as a whole (not unit-specific).
* **Expiration Impact:** Blocks load board if expired.

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### 🚛 2. Automobile Liability

* **Covers:** On-road accidents, bodily injury, and property damage caused by trucks.
* **Required for:** All active trucks operating under MC authority.
* **Applies to:** Individual truck unit.
* **Rating:** Must be from A-rated insurance providers.

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### 📦 3. Motor Truck Cargo & Reefer

* **Covers:** Damage or loss of transported freight, including reefer spoilage.
* **Required for:** Carriers handling LTL/FTL loads, especially reefer.
* **Applies to:** Truck + reefer trailer combination.
* **Note:** Reefer breakdown must be explicitly included for compliance.

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### 🛠 4. Physical Damage

* **Covers:** Damage to owned trucks/trailers from collision, theft, fire, vandalism.
* **Required for:** Leased or company-owned assets.
* **Applies to:** Trucks and trailers.
* **Claim Type:** First-party.

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### 🔄 5. Trailer Interchange

* **Covers:** Non-owned trailer used under interchange agreement.
* **Required for:** Carriers pulling customer or broker-owned trailers.
* **Applies to:** Unit operating under trailer interchange.
* **Must Include:** Physical damage terms.

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### Additional Notes

* All policy types support document uploads and expiration tracking.
* Policies can be created from scratch.
* More categories may be added as part of compliance expansion.


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