RISK FINANCING 101
Understand the fundamental concept of risk financing and how it has evolved over time. Learn more about 'what is risk financing' and its…
#1 in Moving and Storage Insurance for a Reason
At Vanliner, moving and storage is in our DNA. In 1978, our operation began by movers, for movers, and our continued passion for the industry has made us the country’s top moving and storage insurance provider.
We understand the challenges our movers face. To meet these challenges, we offer a full spectrum of coverages and creative insurance options not found anywhere else. Our claims and loss control professionals can be trusted to provide specialized expertise and clear communication when you need us most.
Vanliner protects and serves fleets of all sizes as well as independent owner-operators, through a national appointed-broker model and our in-house agency, TransProtection Service Company.
Insurance Coverages for Moving and Storage Operators
- Auto Liability
- Auto Physical Damage
- Workers’ Compensation and Employee Liability
- Commercial Umbrella
- Garage Liability and Garage Keepers
- Movers and Warehousemen’s’ Liability
- Property and Package Policies
- Occupational Accident
We offer a variety of payment options, including interest-free installment plans.
First Dollar
First dollar insurance, often called guaranteed cost, may be the right solution if you prefer to transfer all of your risk to the insurance company.Deductible Options
If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.
We also offer Merge, a unique hybrid program that combines the advantages of a deductible with the control and potential rewards of a group captive – all with no downside risk!
Merge℠
Merge is our most unique group captive program, as it “merges” the best of both worlds: the upfront premium savings and cash flow advantages of a deductible plan with the greater pricing stability and potential return of underwriting profit of a group captive.
- Limited Risk Appetite- $10,000 Basket Deductible
Watch to Learn More
Learn more about the unique advantages of Vanliner’s other creative risk structures.
Group Captives
Make insurance work for you by joining one of our group captive programs designed specifically for moving and storage companies. Managed and underwritten by Vanliner, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, sharing of best practices and accountability by and between the members of the group. Our group rental captives offer collateral friendly terms with no upfront capitalization. Our Momentum and Forum programs are available through an appointed-broker network.
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Momentum℠
Momentum is a group rental captive program designed for best-in-class moving and storage companies. Momentum offers the opportunity to take on a reasonable shared layer of risk with the membership and with Vanliner, maximizing the benefits of controlling their cost of risk.
- Moderate Risk Appetite- $75,000 Retention
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Forum℠
Forum is a group rental captive program designed for best-in-class agents of Allied Van Lines and North American Van Lines. Forum offers the opportunity to take on a reasonable shared layer of risk with the membership and with Vanliner, maximizing the benefits of controlling their cost of risk.
- Moderate Risk Appetite- $65,000 Retention
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Large Account Customization
Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.
Learn more about the unique advantages of Vanliner's large account customization and our other creative risk structures.
Owner-Operator
Van operators have a lot on their plate on any given day, especially during peak season. Drivers may not have time to think about the importance of a comprehensive insurance program to protect their business from the consequences of an accident, should one occur.
Our in-house agency, TransProtection Service Company, and our national appointed-brokers, make it easy for busy independent owner/operators to access exceptional insurance coverages.
Our plan provides:
- Worker’s Compensation coverage designated specifically for movers. This coverage protects co-drivers and casual laborers.
- Physical Damage coverage for vehicles. This coverage includes highly competitive, low deductible options.
- Non-trucking auto liability coverage. This coverage includes $1,000,000 limits and protects you while bobtailing or driving off dispatch.
If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.
We also offer Merge, a unique hybrid program that combines the advantages of a deductible with the control and potential rewards of a group captive – all with no downside risk!
Merge is our most unique group captive program, as it “merges” the best of both worlds: the upfront premium savings and cash flow advantages of a deductible plan with the greater pricing stability and potential return of underwriting profit of a group captive.
- Limited Risk Appetite- $10,000 Basket Deductible
Watch to Learn More
Learn more about the unique advantages of Vanliner’s other creative risk structures.
Make insurance work for you by joining one of our group captive programs designed specifically for moving and storage companies. Managed and underwritten by Vanliner, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, sharing of best practices and accountability by and between the members of the group. Our group rental captives offer collateral friendly terms with no upfront capitalization. Our Momentum and Forum programs are available through an appointed-broker network.
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Momentum is a group rental captive program designed for best-in-class moving and storage companies. Momentum offers the opportunity to take on a reasonable shared layer of risk with the membership and with Vanliner, maximizing the benefits of controlling their cost of risk.
- Moderate Risk Appetite- $75,000 Retention
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Forum is a group rental captive program designed for best-in-class agents of Allied Van Lines and North American Van Lines. Forum offers the opportunity to take on a reasonable shared layer of risk with the membership and with Vanliner, maximizing the benefits of controlling their cost of risk.
- Moderate Risk Appetite- $65,000 Retention
Learn more about the unique advantages of Vanliner’s group captives and our other creative risk structures.
Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.
Learn more about the unique advantages of Vanliner's large account customization and our other creative risk structures.
Van operators have a lot on their plate on any given day, especially during peak season. Drivers may not have time to think about the importance of a comprehensive insurance program to protect their business from the consequences of an accident, should one occur.
Our in-house agency, TransProtection Service Company, and our national appointed-brokers, make it easy for busy independent owner/operators to access exceptional insurance coverages.
Our plan provides:
- Worker’s Compensation coverage designated specifically for movers. This coverage protects co-drivers and casual laborers.
- Physical Damage coverage for vehicles. This coverage includes highly competitive, low deductible options.
- Non-trucking auto liability coverage. This coverage includes $1,000,000 limits and protects you while bobtailing or driving off dispatch.
More Than Just a Policy
Exceptional financial strength. Data-driven technology. Proactive safety advice. Highly skilled claims experts. These are just a few ways we provide exceptional value beyond the policy, especially when you need us most.
RE-ENGINEERING RETENTION
Of the most common topics in the workplace is recruiting and retention, especially today. This is for good reason as many leaders may feel like they…
BECOMING A BEST-IN-CLASS RISK
Let's be honest, insurance underwriters ask a lot of questions.And it can be frustrating gathering information without knowing why it is needed…
CONTACT US
Please reach out if you are interested in connecting with a Moving and Storage Insurance team member to learn more!