Physical Damage Insurance

Physical Damage Reinsurance Solutions

At Total Risk Managers, we provide robust Physical Damage Reinsurance Solutions that enable insurers to deliver reliable and comprehensive coverage for vehicles, equipment, and goods in transit. From private fleets to specialized commercial operations, our solutions address a wide range of risks and offer the flexibility needed to adapt to evolving business needs.

Comprehensive Coverage for Diverse Risks

Our expertise allows insurers to offer tailored coverage across various industries and operations, including:

Commercial Auto

We support insurers offering coverage for medium to large vehicle fleets, including private fleets and taxis. With flexible options, policies can be structured to accommodate expanding fleets, ensuring continuous protection.

Trucking and Buses

We provide reinsurance for trucking physical damage insurance, covering commercial trucks, trailers, and buses. This protection includes damage from perils such as collision, fire, theft, hail, windstorm, flood, and vandalism. Our solutions ensure that policyholders can quickly recover from damage and maintain business continuity.

Goods in Transit

Our reinsurance programs enable insurers to protect goods against loss or damage during transit. Coverage includes loading and unloading, theft, accidental damage, and loss, often provided on an "all risks" basis.

Dealers Open Lot

For dealerships managing large inventories of vehicles or equipment, our reinsurance solutions enable insurers to offer specialized physical damage coverage. This safeguards dealerships from losses beyond standard general liability or business property insurance policies.

Why work with us

Global Reach

Our extensive network ensures access to top-tier coverage and capacity, wherever your operations take you.

Industry Expertise

Decades of experience and deep insight into the unique challenges faced by complex and high-stakes industries.

Customized Solutions

Every policy is carefully tailored to meet the precise needs of your specific project, operation, or enterprise.

Proactive Risk Management

We help you anticipate and mitigate potential risks before they become critical issues.

Driving Confidence Through Reliable Protection

Partner with Total Risk Managers to enhance your portfolio with market-leading physical damage reinsurance solutions. From vehicles and fleets to goods and dealership inventories, we provide the expertise and capacity insurers need to deliver exceptional coverage to their clients.