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Covering Physical Damage Exposures

ATM’s Physical Damage programs are designed for commercial auto risks domiciled in 12 western states. Our programs encompass a wide selection of vehicles, ranging from light trucks to extra heavy tractor trailers. These programs are also available on a stand-alone basis or written with a package policy.

Inside Physical Damage Coverage

Physical Damage is a general term for a group of insurance coverages that protects an insured’s vehicle. There are two options for physical damage coverage:

  • Comprehensive: Covers loss to a covered auto from any cause other than a vehicle’s collision with another object, such as fire and theft.
  • Collision Coverage: Covers loss to a covered auto caused by the vehicle’s collision with another object or the vehicle’s overturn.

Eligible Auto Types

  • Light Trucks to Extra Heavy
  • Tractors – Over 45,000 GVW 

Eligible Risks

  • Risks domiciled in 12 western states
  • Stand Alone coverage available

Coverage Information

  • Maximum stated amount – $150,000
  • Maximum age of unit – 20 years
  • Higher deductibles available
  • Non-Owned trailer Physical Damage – up to $100,000

Eligible Auto Types

  • Light Trucks to Extra Heavy
  • Tractors – Over 45,000 GVW

Eligible Risks

  • Risks domiciled in CA
  • Physical Damage must be written in conjunction with Auto Liability

Coverage Information

  • Maximum stated amount – $150,000
  • Maximum age of unit – 20 years
  • Higher deductibles available
  • Non-Owned trailer Physical Damage – up to $100,000

Eligible Auto Types

  • Light Trucks to Extra Heavy
  • Tractors – Over 45,000 GVW 

Eligible Risks

  • Risks domiciled in 12 western states
  • Physical Damage must be written in conjunction with Auto Liability

Coverage Information

  • Maximum stated amount – $150,000
  • Maximum age of unit – 20 years
  • Higher deductibles available
  • Non-Owned trailer Physical Damage – up to $100,000

Eligible Auto Types

  • Light Trucks to Extra Heavy Tractors – Over 45,000 GVW
  • Buses, Dump Trucks, and Trash Hauler operations

Eligible Risks

  • Risks domiciled in 12 western states
  • Physical Damage can be written as a package with Motor Truck Cargo
  • Stand-alone coverage available

Coverage Information

  • Minimum Premium – $50,000
  • Limits – up to $5,000,000

For access to our transportation applications, please click here.
For access to our transportation safety resources, please click here.

At ATM, we are always thinking outside the box to create new and improved methods to serve our agents’ best interests. We have built the company by putting you – the agent – first to build your book of business today. We look forward to enhancing our existing relationships and establishing new ones by offering unique solutions to meet the growing demands of today’s evolving industry. Give us a call at (877) 671-7503 and maintain renewal retention in the future.

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1551 North Tustin Avenue
Santa Ana CA 92705
(877) 671-7503

         

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PRIVACY POLICY

© 2025 American Team Managers Insurance Services is a division of and operates under the licenses of CRC Insurance Services, LLC d/b/a American Team Managers Insurance Services CA Lic No 778135. No claim to any government works or material copyrighted by third parties. Nothing on this website constitutes an offer, inducement, or contract of insurance. Financial strength and size ratings can change and should be reevaluated before coverage is bound. This material is intended for licensed insurance agency use only. This is not intended for business owner or insured use. If you are not a licensed agent please disregard this communication.