Don't Let the Sun Set on Your Coverage: A Super Bowl Strategy to Avoid Getting Sacked

Don't Let the Sun Set on Your Coverage: A Super Bowl Strategy to Avoid Getting Sacked


February 7th, 2024


Just as in the Super Bowl, where every second counts, the same applies to your insurance coverage.  Whether you're a Motor Carrier or Insurance Agent, staying ahead of the game means understanding the ins and outs of your insurance policy, particularly when it comes to the Sunset clause in most Contingent Liability policies.


Understanding the Play: The Sunset Clause


Just as a quarterback needs to know their plays, Insurance Agents need to understand the intricacies of the policies they offer.  In Contingent Liability policies, the Sunset clause is a key player.  These policies protect Motor Carriers from Workers Compensation claims made by Independent Contractors, helping to cover legal defense and indemnity payments for upheld allegations. 


However, just as a football game has a time limit, so do Contingent Liability policies.  The Sunset clause within these policies acts like the game clock, setting the maximum timeframe for reporting claims.  This period typically spans one to three years, after which the whistle blows, and no coverage is available if the claim is left unreported.


Staying Ahead of the Game: The Importance of Awareness


Missing the Sunset deadline can be as devastating for Motor Carriers and Insurance Agents as missing a game-winning field goal in the Super Bowl.  It could result in a hefty financial loss to the Motor Carrier and lead to potential Errors and Omissions claims against the Insurance Agent.


Our Contingent Liability Policy: The Star Quarterback with No Time Limit


Imagine a Super Bowl game where your star quarterback always has time to make that decisive touchdown.  That's what it's like to have our Contingent Liability policy, which uniquely comes with no Sunset clause.


This means that Motor Carriers can report claims without the pressure of a ticking clock, offering incomparable peace of mind.  Similarly, Insurance Agents can rest easy, knowing they won't face potential Errors and Omissions claims due to a missed deadline.


The Winning Strategy: Workforce Insurance Underwriters



As the saying goes, "The best defense is a good offense."  In this case, the best protection against unexpected claims is a thorough understanding of your policy and diligent adherence to its terms.


As we gear up for the Super Bowl, consider Workforce Insurance Underwriters as your top draft pick.  We offer a new Contingent Liability program designed with the needs of Motor Carriers in mind.  Don't let a Sunset clause sack your Motor Carrier client's financial security.  Contact us today, and let's make that winning play together.


To learn more about Workforce Insurance Underwriters and our new Contingent Liability program, click here.


Follow us @workforceinsurance on LinkedIn, Facebook, Instagram, and YouTube.

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