Programs

Programs built for
1–7 unit fleets

Exclusive wholesale programs that used to require the scale of a national agency. Written for the smallest fleets in the supply chain — and the agents who serve them.

Available now

Five lines live today

01

Physical Damage

Protects the tractor and trailer itself against collision, upset, fire, theft and specified perils.

  • Monthly subscription
  • One thousand dollar deductible
  • Towing paid at actual cost of tow
  • Prorated first month
  • 12 monthly terms follow as auto bill
02

Excess Cargo

Motor truck cargo coverage for freight in transit, with certificate issuance the moment a shipper asks.

  • Pure follow-form above primary
  • Per-trip or term coverage
  • Real-time proof of coverage for shippers
  • Up to $1 million excess of primary per trip
03

Occupational Accident

Injury protection for owner-operators and contracted drivers outside the workers' compensation system.

  • Medical, disability and AD&D benefits
  • Contingent liability options
  • Driver-level enrollment in minutes
04

Excess Auto Liability

Additional liability limits above the primary auto policy for fleets that need extra protection.

  • Excess auto liability up to $2 million excess available per trip
05

Short Term Substitute Physical Damage

Temporary physical damage coverage for substitute vehicles while units are in the shop.

  • Towing paid at actual cost
  • With non-owned undescribed trailer physical damage
  • Non-owned undescribed trailer coverage available
01

Physical Damage

Protects the tractor and trailer itself against collision, upset, fire, theft and specified perils.

  • Monthly subscription
  • One thousand dollar deductible
  • Towing paid at actual cost of tow
  • Prorated first month
  • 12 monthly terms follow as auto bill
02

Excess Cargo

Motor truck cargo coverage for freight in transit, with certificate issuance the moment a shipper asks.

  • Pure follow-form above primary
  • Per-trip or term coverage
  • Real-time proof of coverage for shippers
  • Up to $1 million excess of primary per trip
03

Occupational Accident

Injury protection for owner-operators and contracted drivers outside the workers' compensation system.

  • Medical, disability and AD&D benefits
  • Contingent liability options
  • Driver-level enrollment in minutes
04

Excess Auto Liability

Additional liability limits above the primary auto policy for fleets that need extra protection.

  • Excess auto liability up to $2 million excess available per trip
05

Short Term Substitute Physical Damage

Temporary physical damage coverage for substitute vehicles while units are in the shop.

  • Towing paid at actual cost
  • With non-owned undescribed trailer physical damage
  • Non-owned undescribed trailer coverage available

What idi does not write

Primary auto liability and general liability are currently not offered by idi.

Aerial view of stacked shipping containers in a cargo yard

Immediacy beats price when the load can't leave without proof of coverage.

Roadmap

Coming soon

The same logic applies anywhere proof of coverage gates the work: the buyer needs it now, not cheaper next week.

Coming soon

Event Insurance

Certificate-driven coverage for venues, vendors and one-day events that book on short notice.

Coming soon

Builder's Risk / Wrap-Up

Project-based coverage bound the moment a job is awarded, not weeks into mobilization.

Coming soon

Contractors' Equipment

Scheduled and unscheduled tool and equipment coverage for trades that move daily.

Coming soon

Kidnap & Ransom

Specialty protection for cross-border operations and high-exposure travel.

Next step

Write the accounts you used to pass on

Appointment, appetite and quoting — all in the same sitting.