Transportation solutions driven by your business. The holistic alternative for BC based trucking business

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1 Transportation solutions driven by your business The holistic alternative for BC based trucking business TM

2 An integrated plan delivered by a leading global insurer, and the largest insurer of Transportation Fleets in Canada BC Transport broch folde2 2 3/17/11 12:07:49 PM

3 Consider the possibilities A Fatal accident: A tanker headed northbound on Trans-Canada Highway loses control after a private passenger car in front of it suddenly stops, creating a jackknife accident. The tanker swings out hitting four cars causing catastrophic damage including severe injury and a fatality. A holistic solution: British Columbia Transportation package policy (BCT) provides excess Auto Liability, Additional Physical Damage, Cargo and Commercial General Liability coverage combined in one policy to reduce gaps in coverage. With one policy for all your insurance needs you conveniently cover a spectrum of risks easily and efficiently. Are you covered no matter how big you grow? As your business grows, Zurich can grow with you: whether you are expanding your cargo type, hauling capabilities, or number of terminals. Tailored solutions and experience you can depend on: Zurich s tailored solutions will meet your growing needs, including traditional and alternative risk transfer solutions, cross border, intermodal and more. We are capable of meeting your needs. Diesel Spill pollutes the environment: A collision between two Canadian tractor trailers in California results in 85 drums of hazardous waste catching fire and discharging a large quantity of fuel into the soil and a nearby creek. Fast and easy spill help: Zurich s Spill Reporting Online (SROL) service provides 24/7 emergency response to proactively coordinate spill cleanup activities throughout the U.S. and Canada. End to end customized insurance and Risk Services solutions. Each of these hypothetical examples can happen and have happened to companies just like yours.

4 At Zurich we respect that insurance premiums can be one of the top three expenses on a trucking company s balance sheet. This is why Zurich offers a full range of products and services uniquely designed to deliver value for your business: Risk Services Specialists who know the difference between hazmat bulk carriers, specialized carriers and flatbeds and have the expertise to create a customized risk management program for both Dedicated Claims Service Managers who will meet with you to develop a collaborative and customized claims handling agreement Collaborative claims settlement approach that recognizes how important it is for you to get your trucks back on the road as soon as possible after an accident Driver Recognition Program that acknowledges and rewards the safe driving habits of long haul and short haul drivers Tailored solutions to meet your needs including both traditional and alternative risk transfer solutions Underwriters with the experience, deep understanding and technical expertise to understand complex transportation accounts Active industry involvement, including participating in the Pipeline Convoy Cargo Theft Task Force and sponsoring nationally recognised fleet safety awards The security that comes from working with an insurance provider with solid financial ratings that has the ability to pay claims now and in the future Fleet Does your insurance company give you confidence on the road? Designed for the specific needs of BC transportation companies, the BC Transportation package policy (BCT) gives you: Excess Auto Liability, Additional Physical Damage, Cargo and Commercial General Liability coverage combined in one policy to reduce gaps in coverage The flexibility to expand coverage to your terminals, property, crime and all other business insurance needs. Railroad Liability Does your insurance keep you on track? It doesn t matter who shunts your cars, carries your containers or maintains your sidetracks, Zurich has a solution for you. We have the expertise to identify where the mainline stops and your exposure begins. Zurich also has the ability to cover third party contracts and in-house railroad operations. Cargo Insurance Is your cargo covered from here to there? Whether your product is in transit on land, on rail, or over water, we have a solution that can cover it door-to-door. You have the convenience of one insurer to cover all of your cargo needs while avoiding the grey area that can result when you re using multiple insurance companies and have multiple policies. Zurich s specialists can tailor protection and reduce your risk for your international exposures virtually anywhere. Alternative Risk Solutions To meet your specific needs we offer Alternative Risk Solutions including: Start up advice, including feasibility studies Administrative and management services Arrangement of reinsurance Risk management services Optional per occurrence deductible on specified lines of business affected by a single claim Maximum limits applied to each line of business separately Broader cargo coverage than typically found in a standard policy

5 Do you have a holistic solution? When it comes to protecting your business, the stakes could not be higher. You need more than just an insurance policy you need a customized solution that offers distinct advantages. Cross Border Will your claim be paid if you have an accident in California or New York? Insurance rules and regulations vary from country to country and, in the U.S., from state to state. If you have operations outside Canada, you may need local admitted policies or risk exposing your enterprise to significant tax liabilities or unpaid claims. Zurich has in depth knowledge of local insurance requirements, and our products are designed to help you get the compliant solution you need wherever you operate. Zurich s cross border offering will help avoid the risk of your policy being declared non-compliant and void by local authorities, resulting in disputed claims and restitution obligations. Zurich s breadth of cross border product offerings includes: Property; Casualty; Automobile; Equipment Breakdown, including coverage for warehouses and refrigerator breakdown; Environmental; and Directors & Officers Liability. Intermodal Containers Who s responsible if the container is lost in transit? If you re using multiple modes of transportation, you may need insurance for the intermodal containers carrying your freight. Zurich offers a new intermodal container equipment endorsement to provide coverage for intermodal containers (not the cargo contained within) under an Inland Marine Property form. This endorsement is available for Transportation packages when coverage is required for non-owned intermodal containers and there are no restrictions based on class. This endorsement applies only in the event that the automobile policy does not respond. Please speak to your underwriter or broker for additional details. Environmental Liability Has your yard been the victim of phantom dumping? Phantom dumping or a spill from your neighbour it doesn t matter: You re responsible if there s pollution on your property. Whether you re opening a new terminal and find contamination or you re closing a terminal and you need to clean it up to sell the property, Zurich can help. Through our long-term commitment, specialized products and dedicated underwriters who have the knowledge and expertise of environmental exposures, Zurich can help you identify and insure exposures you may not even know you have. D&O Liability Did you know that bankruptcy doesn t relieve you of many financial obligations? A Directors & Officers (D&O) policy is an important addition to any insurance program today. While most companies provide indemnity coverage for their Board members, you can t count on that coverage if the company declares bankruptcy. Zurich s D&O coverage provides the legal defence you may need and a payout for personal financial obligations if required. Zurich can also offer supporting financial lines coverages for Employment Practices Liability and Fiduciary Liability.

6 Developing products to meet your expectations. Risk Services Our Risk Services team has experience behind the wheel, within operations and in fleet ownership. They understand the threat of downtime and what it means to your profit margin. That s why Zurich offers specialized consultative advice for the transportation industry on topics including: Driver training seminars Fleet and cargo risk assessment Driver selection and qualification programmes Guidelines for collision scene photography We also offer various risk management tools including: Virtual Risk Manager Zurich Pro-Style Driving Series TM Zurich Incident Analysis Tool Tap into Zurich s experience and expertise to help guide your next steps and minimize accidents, downtime, loss of business and loss of customers. International Claims Services Zurich s international knowledge and understanding of crossborder compliance standards delivers peace of mind, no matter where a loss occurs. Our Claims Service Managers help make customers claims experiences as smooth as possible. They work with you and your customer to develop customized claims handling agreements which address specific claims needs you may have. Driver Recognition Safe driving deserves recognition and Zurich helps you acknowledge the best. We know how important it is for you to reward your drivers for their safe driving record and Zurich has a Driver Recognition Program that makes it easy for you to do just that. The program includes: Framed certificates, and Specially designed recognition pins Your customers can choose between accident-free kilometres (one million, three million or five million plus), or accident-free years (5, 10, 15, 20, 25, 30). Simply complete the application which is available from your underwriter and Zurich will take care of the rest. For more information, visit our website at transportation Zurich s Spill Reporting Online System (SROL) Zurich s Spill Reporting Online System gives you direct access to a dedicated team of professionals experienced in the areas of environmental emergency response, investigation and remediation of accidental releases of hazmat and other regulated materials. Access to the exclusive system is available at no additional cost to Zurich customers.

7 A A (03/11) Zurich 400 University Avenue, Toronto, Ontario, M5G 1S7, Canada Because change happenz, Zurich HelpPoint, and Zurich are trademarks of Zurich Insurance Company Ltd This is intended as a general description of certain types of insurance and services available to qualified customers through the company of Zurich in Canada. Your policy is the contract that specifically and fully describes your coverage. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy Zurich Insurance Company Ltd

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