Holiday Highways – Meeting the Insurance Needs of Cross-Border Trucking During Peak Season

Holiday Highways – Meeting the Insurance Needs of Cross-Border Trucking During Peak Season


December 23rd, 2024


When you think of Santa delivering gifts, what comes to mind?  A sleigh?  Reindeer?  Well, in the Trucking world, those goods are riding in 18-wheelers, not a sleigh—and this holiday season, it's B-1 Visa Truck Drivers working overtime to deliver the magic.  But here's the kicker—they don't always have the insurance coverage they need.


For Insurance Agents, this season doesn't just bring holiday cheer but an incredible opportunity to deliver peace of mind.  Let's unwrap how our new Truckers Inbound Travel Insurance policy, developed in partnership with Convex US, can empower your clients by solving one of the industry's most overlooked pain points.


Cross-Border Trucking and the Rising Demand for Insurance


With U.S.-Mexico trade hitting a record $415 billion in the first half of 2024, it's clear the literal and figurative highways connecting these two nations are busier than ever.  For perspective, trade with Canada—our second-largest partner—trailed behind at $383 billion, and China came in third at just $269 billion.  The numbers don't lie; Mexico has firmly cemented its status as America's top trade partner.


And guess who's making that happen?  Mexican B-1 Visa Truck Drivers.  These professionals are indispensable, ensuring cross-border trade runs smoothly, especially during the bustling holiday season when shipping demand surges.  However, many B-1 Visa Truck Drivers operate in the U.S. without adequate coverage, leaving them—and the U.S.-based Motor Carriers utilizing them—vulnerable to disastrous claims in case of an accident.


The Coverage Gap


If your Motor Carrier clients believe they’re already protected, it’s worth having a deeper conversation.  Many trucking companies think their existing policies are “good enough,” but the truth is, they rarely are in the context of cross-border operations.


It's easy to assume that common insurance options—like Workers Compensation, Occupational Accident Insurance or Health Insurance—would suffice for B-1 Visa Truck Drivers.  However, this misconception can leave your clients exposed. 


Here’s why:


  • Workers Compensation – This coverage doesn't apply to Mexican and Canadian drivers operating under a U.S. visa framework. 


  • Occupational Accident Insurance – B-1 Visa Truck Drivers are not Owner Operators or Contract Drivers as defined by these policies.


  • Health Insurance – Health insurance plans from Mexico and Canada do not provide coverage in the U.S.


This lack of adequate coverage creates a prime opportunity for Insurance Agents to step in and deliver a first-of-its-kind solution tailored specifically to the needs of these drivers.


$44 a Month - The Easiest Policy You'll Ever Pitch


Our new Truckers Inbound Travel Insurance solution for B-1 Visa Truck Drivers addresses this gap in a way no other policy does.


This innovative policy is a unique blend, combining traditional Occupational Accident Insurance coverages—such as Medical, Disability, and Accidental Death & Dismemberment (AD&D)—with essential Travel Insurance benefits.  These benefits include coverage for non-work-related Emergency Medical Conditions, Medical Evacuation, and Repatriation. 


Here's how it can set you apart while delivering valuable benefits to your Mexican and Canadian B-1 Visa clients:


  • Unbeatable Affordability – Starting as low as $44/month, this solution fits the tight margins B-1 Visa Truck Drivers face, offering comprehensive coverage without breaking the bank.


  • Tailored Coverage – This product is designed specifically to meet the needs of B-1 Visa Truck Drivers, providing peace of mind for drivers and reducing liability risks for Motor Carriers.


  • Cross-Border Compatibility – Whether your clients are hauling freight in the U.S. or returning south of the border, their coverage travels with them.


Deck the Halls with Benefits for Insurance Agents


Still wondering what's in it for Insurance Agents?  Here's why this policy is worth adding to your portfolio:


1.  Expand Your Client Base 


With 249,915 commercial truck crossings in one month at Laredo, Texas (the busiest U.S. trade gateway), the market for B-1 Visa Truck Drivers is enormous.  Tap into this current opportunity by offering a solution no other agent can.


2.  Differentiate Yourself 


Today's competitive insurance landscape rewards specialists.  By addressing niche markets like B-1 Visa Truck Drivers, you'll stand out as a proactive partner to your Motor Carrier clients.


3.  Boost Commissions with High-Value Coverage 


Policies like this fill a critical gap, making them highly valuable to your clients.  This can lead to higher policy uptake and stronger client relationships, ultimately benefiting your bottom line.


4.  Show You're Ahead of Industry Trends 


As cross-border trade continues to boom—especially between the U.S. and Mexico—the demand for tailored coverage like this will only grow.  By introducing this product to your clients now, you can position yourself as forward-thinking and innovative.


Why Timing Matters


You might look at the holiday workload and think, "I'll prioritize this product later."  But the reality is that claims don't wait for schedules to clear.  When the unexpected happens—and we all know trucking is a high-risk world—a lack of proper coverage can instantly escalate into a financial and legal nightmare.


While this insurance product is a simple addition, the consequences of not having it aren't so simple.  You don't want your clients to realize the importance of this coverage only after a claim occurs.  The message?  There's no pressure to rush, but there's also no benefit to waiting.


Don’t Get Stuck in the Holiday Traffic


This holiday season, the best gift isn’t under the tree—it’s in our product portfolio.  Mexican and Canadian B-1 Visa Truck Drivers are the backbone of the celebrations we enjoy, delivering the goods that make the season magical.  But without the right insurance, their journeys—and your Motor Carrier clients’ operations—are at risk.


Our new Truckers Inbound Travel Insurance policy offers the perfect solution.  Starting at $44 a month, it provides essential protection for these hardworking drivers and peace of mind for Motor Carriers.  For Insurance Agents, this is a great opportunity to expand your portfolio while delivering the gift of security and reliability.  Don’t wait—wrap up this must-have coverage today!


To learn more about Workforce Insurance Underwriters and our new Truckers Inbound Travel Insurance policy, book a meeting with an industry expert from Workforce by clicking here.


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


AGENT USE ONLY

A trucker and their passenger shaking hands in front of a truck, symbolizing passenger accident.

Ride Safe, Insure Smarter: Passenger Accident Insurance Made Simple

February 26, 2025
February 26th, 2025 | For an industry so heavily reliant on precision and planning, Trucking has a blind spot that many overlook—passenger safety. The scenario is the same whether it's a family member traveling with a driver, a friend sitting in during long hauls, or any other authorized passenger accompanying a trip. If an accident occurs, the financial and legal fallout can be catastrophic. Most traditional Occupational Accident Insurance policies provide very low limits and only cover passengers of Owner Operators. This can leave Motor Carriers exposed to potential lawsuits and crippling financial repercussions.
Truck near USA-Canada border sign, highlighting Non-Occupational Accident for B-1 Visa Truckers.

Workforce Insurance Underwriters Introduces Comprehensive Non-Occupational Accident ‘Wrap-Around’ Insurance Policy for B-1 Visa Truck Drivers

February 5, 2025
February 5th, 2025 | Jacksonville, FL – Workforce Insurance Underwriters, LLC, a leading Managing General Underwriter (MGU) specializing in insurance solutions for Owner Operator Truckers and Motor Carriers, is proud to announce the launch of an innovative Non-Occupational Accident Insurance policy designed specifically for Mexican and Canadian B-1 Visa Truck Drivers operating in the United States. This groundbreaking ‘wrap-around’ insurance solution provides coverage for non-work-related accidents and ensures drivers are safeguarded beyond the scope of traditional policies.
Umbrella icon key labeled

The Smarter Way to Offer Excess Insurance—Meet TripExcess®

January 29, 2025
January 29th, 2025 | Insurance Agents and Motor Carriers alike know that when it comes to the Trucking industry, efficiency and cost-effectiveness are critical to success. But too often, outdated processes and insufficient insurance solutions keep businesses from reaching their potential. That's precisely why we created TripExcess®—an innovative, one-way excess insurance solution that simplifies coverage while empowering agents and truckers to achieve more.

What’s $91 Worth? The Coverage That Turns “No” into “Yes” for Small Fleet Owners in 2025

January 8, 2025
January 8th, 2025 | The New Year signals fresh starts and opportunities to refine strategies, and for Insurance Agents, it's the perfect time to align with solutions that drive revenue while delivering unmatched value to your clients. With over 710,000 Owner Operators navigating the U.S. roads in 2024—double the number in 2020—there's never been more urgency to address their unique needs. Workforce Insurance Underwriters' new Small Fleet Truckers Occupational Accident Insurance policy is the perfect tool to meet those needs while fueling your growth in the New Year. With monthly premiums starting as low as $91 per person, saying "yes" has never been easier—or more affordable.
Small fleet of trucks on highway representing Small Fleet Truckers Occupational Accident Insurance.

Small Price, Big Coverage – Why Small Fleet Truckers Occupational Accident Insurance is 2025’s Must-Sell Policy

December 11, 2024
December 11th, 2024 | Small fleets are the backbone of the Trucking industry. Yet, finding affordable, reliable insurance for these smaller operations has been a challenge—until now. Developed in partnership with Convex US, Workforce Insurance Underwriters is proud to offer its new Small Fleet Truckers Occupational Accident Insurance policy—a groundbreaking solution explicitly designed for small fleets seeking the perfect balance of affordability and protection. This blog will explore why this policy is a must-sell for Insurance Agents in 2025 and beyond, how it solves common problems in the current insurance landscape, and why it’s a game-changer for small trucking operations.
A folder with tabs for

Capture New Clients with Occupational Accident Insurance

November 20, 2024
November 20th, 2024 | In a world where Insurance Agents often face the challenge of standing out in a crowded market, focusing on the right products can make all the difference. It's easy to focus on the giants—Auto Liability and Physical Damage—because they're required lines that promise steady business. However, there's a hidden gem that deserves equal—if not more—attention from agents looking to expand their business and provide exceptional value to clients. That gem is Occupational Accident Insurance. This blog will explore why Occupational Accident Insurance is not only important but also the key to a successful sales strategy.
A truck driver in a ghost costume for Halloween, symbolizing Workers Compensation ghost policies.

Workers Compensation Ghost Policies: Trick or Treat?

October 30, 2024
October 30th, 2024 | With Halloween around the corner, it's fitting to discuss a topic haunting the insurance industry—Workers Compensation ghost policies. Understanding these policies is crucial for Insurance Agents, particularly those dealing with Owner Operator lines of business. They may seem like a benefit initially but often come with more tricks than treats.
An orange clock on a laptop symbolizing daylight savings and claim timing risks of Sunset clauses.

When Time Falls Back, Keep Coverage Moving Forward: Navigating the Risks of Sunset Clauses

October 23, 2024
October 23rd, 2024 | Daylight savings time ends on November 3rd, which means shorter days and longer nights. Just as you adjust your clocks, it's also a great reminder to revisit your clients’ Contingent Liability policies—especially those containing a Sunset clause. The sun might be setting earlier, but their coverage shouldn't. Today, we're shedding light on this critical topic to help you stay ahead of the game and ensure the sun never sets on your clients' protection.
An orange umbrella amidst black ones symbolizes how TripExcess helps agents stand out in the crowd.

Stand out in the Crowd: How TripExcess® Opens New Doors for Agents

October 16, 2024
October 16th, 2024 | In today's competitive insurance landscape, staying ahead of the curve is essential for success. Insurance Agents are always on the lookout for unique products that not only meet their client's needs but also stand out in the market. Enter TripExcess®, a unique one-way excess insurance solution that has been a game-changer since its inception. We're excited to announce that TripExcess® coverage has now been expanded to include Canada, providing even more opportunities for Insurance Agents to offer unparalleled service to their clients.
An Owner Operator dealing with a Pre-Existing Condition covered by our Occupational Accident policy.

Leaves Are Falling, and So Are Risks: Insure Owner Operators with Occupational Accident Insurance

September 18, 2024
September 18th, 2024 | As the leaves start to fall and the nation prepares for the fall season, the Trucking industry gears up for one of its busiest times of year. This increase is driven by holiday preparations and the agricultural harvest, making the roads a bustling corridor of commerce. For Insurance Agents, this period is critical to ensuring that Motor Carriers and Owner Operators have added protection against the heightened risks accompanying this busy time. At the heart of this protection is Workforce Insurance Underwriters' unique offering: an Occupational Accident Insurance policy that stands alone in the industry by not excluding Pre-Existing Conditions.
More Posts
Share by: