Yukon™
Auto Physical Damage Insurance

Yukon™ (Auto Physical Damage) is built for mid-sized fleets—with flexible, modern coverage and no minimum premium.

Yukon™ delivers comprehensive APD protection for fleets with 15 to 50 power units, including optional add-ons like towing, ELDs, hired units, and more. Designed for safety-conscious operators, Yukon™ offers flexible deductibles, monthly reporting, and streamlined submissions—giving brokers a smarter way to insure physical damage risk.

Powered by Loadsure’s dynamic platform and backed by an A-rated carrier, Yukon™ allows insurance producers to submit, quote, and bind faster—eliminating friction and opening the door to a more modern APD experience.

How does it work?

Yukon™ leverages Loadsure’s dynamic pricing engine to generate accurate, competitive quotes with speed—based on fleet size, risk profile, and selected coverages. Brokers benefit from a simpler, cleaner submission process and clients benefit from tailored APD coverage with transparent pricing and terms.

The result? More efficient workflows for brokers. More confidence for insureds. And more wins all around.

Who should Yukon™ be offered to?

Yukon™ is designed for mid-sized trucking fleets with a strong focus on safety and operational discipline. Ideal risks include:
- Interstate and intrastate motor carriers
- Fleets with 15 to 50 power units
- Companies with established risk management practices
- Operations with three or more years of commercial driving experience
- Fleets in stable financial condition with consistent maintenance programs

Yukon™ is best suited to professional operators looking for dependable APD coverage and flexible options.

What level of cover does Yukon™ offer?

Yukon™ delivers comprehensive Auto Physical Damage protection designed specifically for commercial fleets. With a low minimum premium and flexible deductibles, Yukon includes a robust suite of optional and supplemental coverages such as:
- Towing and storage
- Electronic logging devices (ELDs)
- Hired and non-owned auto
- Comprehensive and collision
- Fire and theft with combined additional coverage (CAC)
- Loan and lease gap

This flexibility gives brokers and fleet operators the tools to build coverage that matches their real-world exposures.

Key benefits

  • Rapid quote turnaround, faster than traditional APD markets
  • Competitive pricing driven by real-time fleet data
  • Coverage tailored for small to mid-sized fleets with strong safety profiles
  • Monthly reporting with no annual audits
  • Flexible deductibles and optional endorsements for towing, hired units, ELDs, and more
  • Streamlined document generation (quote/binder/policy)

IMPORTANT RISK WARNING: Insurance products are subject to certain risks and uncertainties. While insurance is designed to provide coverage for various losses and liabilities, it is important to understand that it may not cover all potential risks or losses. The effectiveness of an insurance policy depends on the specific terms and conditions, exclusions, and limits of the policy. It is essential to read and understand the policy documentation before purchasing insurance. If you have any questions or uncertainties, please consult with a professional advisor. Remember, the purpose of insurance is to provide protection against potential future losses, and it is not intended as an investment product. It does not provide a return on investment like a savings account or investment product.

FAQs

01 /

What are the Yukon™ policy limits?

Yukon™ is designed for Auto Physical Damage coverage with limits up to $2 million per power unit, with total fleet values considered on a case-by-case basis. Submissions should fall within our mid-market appetite.
02 /

Which types of vehicles are outside Yukon’s appetite?

We do not currently write APD coverage for:
- Tow trucks
- Cement mixers
- Logging trucks
- Hazardous material haulers
- Emergency vehicles
- Garbage or refuse vehicles
- Passenger transport vehicles (e.g., buses, vans)
- Units over 20 years old (unless well-maintained and approved)
03 /

Which types of operations are outside Yukon’s appetite?

Yukon™ is not intended for:
- Owner-operators or fleets with fewer than 15 power units
- Fleets without a consistent safety or telematics program
- Motor carriers with high loss frequency or severity
- Fleets engaged primarily in hazmat transport or high-risk commodities
04 /

Who manages the claims for Yukon™ policies?

Claims under Yukon™ are handled by Raphael & Associates, providing expert, responsive claims support with experience in commercial auto losses.

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