Complementary coverage
Physical Damage
Collision and comprehensive protection for your own tractors and trailers.
Protect the equipment you run on
Physical damage coverage protects your own equipment. Collision responds when your truck is damaged in an accident; comprehensive responds to covered losses such as theft, fire, vandalism and weather. Lenders and lessors usually require it on financed equipment. Ask us about physical damage alongside your RyskLOK liability program.
A risk retention group writes liability insurance only. Physical Damage is not a liability coverage, so it may be placed with another insurer alongside your RyskLOK liability program.
What it can cover
- Collision damage to your tractor or trailer
- Theft, fire, vandalism and weather losses
- Loss payee endorsements for lenders and lessors
Who it’s for
- Owner-operators protecting the truck they depend on
- Fleets with financed or leased equipment
Common questions
It is optional for equipment you own outright, but without it you pay to repair or replace the truck yourself after a loss.
This page is general and educational. Coverage, limits and exclusions are set by the policy issued and are subject to eligibility, state availability and underwriting review.
Works well with
Related coverage
Ready to lock in your coverage?
Tell us about your operation and our team will follow up with the options that fit.