Physical Damage (APD) is an essential line of coverage for most truckers and provides first-party coverage for damage or theft of equipment (presumably trucks, tractors, trailers, etc.). Many insurers choose to write the APD in addition to the CAL to help with their underwriting results. Some trucking fleets tend to self-insure their units while some prefer risk transfer and to insure all equipment. We believe in simplicity but also to best serve the industry with the proper coverage forms and endorsements. With the use of industry specific coverage forms and manuscript endorsements, you can be sure your customers have the best in the industry.