TOA PROGRAMS is providing Physical Damage Coverage and drivers benefits due to membership in their programs.

Physical damage coverage can be provided to Tractors and Trailers operated to transport goods for hire. Physical Damage Insurance covers damage sustained to your tractors, trucks or Trailers in an accident such as a collision overturn or roll, regardless of fault. It also covers the cost of other accidents, including fire, theft, vandalism, flood, hail, windstorm, tornado, lightning and earthquake.


Coverage includes:

  • Up to $10,000 towing limit
  • Deductibles of $1,000, $2,500, $5,000, $10,000.
  • Gap coverage
  • Acceptable drivers with 1+ year CDL experience

Benefits to drivers:

  • Accidental Death Benefit – $50,000/driver
  • Claim service
  • Legal service
  • Travel discounts


Simple application to get quote!


Join our association today and reap the benefits!