Frequently Asked Questions

ICANA Related Questions

What does ICANA stand for?
Why was ICANA formed?
What makes ICANA different from other insurance programs?
What types of coverage are offered by ICANA?
Does ICANA only offer coverage for Intermodal drivers?
When does my policy renew/expire?
How can I become a member/insured of ICANA?

Insurance Coverage

What does liability coverage provide me?

Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person.

Do I need physical damage coverage?

If you have a loan on your vehicle, or if you want to fully protect your vehicle, you should choose Physical Damage insurance.

What is a lien holder?

Used in instances of title of property (such as a vehicle) to refer to the person who has right of property, as opposed to the party that merely has right of possession.

If I pay off my truck, do I still need physical damage insurance?

Technically no, but we recommend that you still carry it; your truck is your livelihood, and you need to protect it.

If I change trucking companies, can I keep the same insurance?

Almost always, yes, and your trucking insurance rates will probably not change at all.

How do I pay for my insurance coverage?

We make it as easy as possible for you to pay for trucking insurance by doing an automatic check withdrawal from your account every month, accepting all major credit cards online, and we accept check drafts online as well.

What is Refrigeration Breakdown Insurance?

Refrigeration Breakdown Insurance provides coverage up to a separate limit shown on the schedule for spoilage of perishable stock while the stock is in transit on a vehicle.

What is Trailer Interchange Insurance?

A type of coverage available under either the truckers or the motor carrier policy form that covers the insured’s legal liability for damage to the trailers of others. Coverage is also available, by endorsement, under the business auto policy (BAP). Motor carriers frequently haul trailers that are owned by other motor carriers. This is often done through a “trade” of trailers that are in different locations to facilitate scheduling. A trailer interchange agreement makes the motor carrier that has possession of the trailer responsible for any damage to the trailer, whether or not the trailer is attached to the tractor.

What is Occupational Accident insurance?

Provides employers without workers’ compensation coverage an alternative, including accidental death and dismemberment, disability, and medical expenses.

ICANA Benefits

Do you offer driver safety programs?

Through our association with Smith System Safety Training program we are able to offer safety training courses and on-the-road driver rehabilitation course to our members at no additional costs to them. Our program also hosts safety conferences for our owner-operators, small carriers, and large fleets.

Do you offer a client referral program?

Absolutely! For every driver you refer to us, you will receive a check for $50 and the referred drive will also receive $50 off his policy inception costs.

Are any additional insurance included with my policy?

Included in your policy is Accidental Death & Dismemberment coverage of up to $40,000, at no additional cost to you.

Do you provide flexible insurance rates?

We are able to provide flexible rates which fit your specific needs. We offer insurance packages which may save you money, but we also offer individual coverages to fit your unique requirements. Coverage plan designs also include large deductible and Self Insured Retention (SIR) programs for the larger and more sophisticated insured.  Single and group captive programs are also among our tools to formulate the best risk funding mechanism for your company.