AAIS lines of business
Rate cargo on the basis the risk is written on
Motor Truck Cargo is written per vehicle on some accounts and on gross receipts on others. SelectRate rates both, with the commodity classification, radius and coverage options the filing sets.
Watch the demonstration
A complete end-to-end walkthrough: an MGA program is created from the AAIS Standard Motor Truck Cargo Program, configured with company-specific rating factors and minimum premiums, tested, published and quoted. The Rating API rates the same program, then SelectDocs is configured, a carrier form is uploaded and mapped, endorsements are selected and the policy document package is generated.
13 minutes 33 seconds · Chapters and the other demonstrations
What Motor Truck Cargo covers
A motor carrier is liable for the cargo it hauls, and the exposure depends on what is in the trailer, how far it goes and how the account is measured. AAIS writes Motor Truck Cargo on two bases, per vehicle and gross receipts, and the choice is part of the risk rather than a preference.
SelectRate rates both bases on one product, with the commodity classification and radius of operation the filing uses and the coverage options a carrier actually buys.
What SelectRate rates on this line
Everything below is rated on the filed AAIS methodology. Where the filing leaves a value to the company, it is a value your program supplies, and the worksheet names it as yours.
Per vehicle rating
Units and the limit carried on each, on the filed load factors.
Gross receipts rating
Annual receipts on the filed basis, for the accounts written that way.
Commodity classification
What is hauled, on the filed classifications.
Radius of operation
Local through long haul, as the filing bands it.
Refrigeration breakdown
Breakdown cover with its own deductible, for refrigerated cargo.
Contingent, terminals and perils
Contingent cover, additional terminals and the named perils option, each rated rather than estimated.
Multistate with state procedures
Motor Truck Cargo rates on a multistate base, with state procedures where a state files its own, including Missouri. Your program supplies the company loss cost multiplier where the filing leaves it open.
As on every product here, a state whose content is not in force refuses to rate. That is a deliberate choice: a cargo premium produced from an approximated table is worse than no premium at all.
Start from the standard
Nobody should have to build a Motor Truck Cargo program from an empty screen. Every organization on SelectRate has a Standard Motor Truck Cargo: a governed program sitting directly on the published AAIS foundation, ready to inspect and test.
It tells you where you actually stand. Which states are in force. Which are ready to rate now. Which are waiting on a company value, and exactly which value. You run Program Test on it, and when you are ready you create your own program from it.
The Standard Program also carries ready made sample transactions. Open one, rate it, change an input and rate it again. It is the quickest way to understand how Motor Truck Cargo behaves before you configure anything of your own.
Governed foundation
The published AAIS content for Motor Truck Cargo, maintained by Selectsys and read only.
Standard Motor Truck Cargo
One per organization. Inspect the states, see what is ready and what needs a company value, and run Program Test.
Your program
Created from the standard, with your company values, adoption dates and authorized deviations on top.
Configure what makes your program different
Your Motor Truck Cargo program is the part the filing leaves to the company: the loss cost multiplier where one applies, the selections inside the bounds the filing sets, adoption dates and any deviation your carrier has authorized. The filed content underneath is not yours to change and not yours to maintain.
Configuration happens in Program Studio as a draft, and a draft is tested before it becomes real. Program Test prefills a known good Motor Truck Cargo scenario, so the first test you run is a real one rather than a form you have to invent. Review lists exactly what a version changes against what is published, state by state, and publication is a decision a person makes.
A published version is immutable. Every quote, policy and worksheet records the version it rated with, so a premium stays reproducible after the program has moved on.
The Workbench adapts to the rating product
Underwriter Workbench does not carry a hand built screen per line. The intake comes from the rating product itself, so Motor Truck Cargo presents the exposures it is actually written on, with the governed classifications and option lists for the state and the effective date.
Repeating exposures repeat. Referrals surface as referrals rather than as a failed request. And every premium carries its worksheet: each step, the value it used, and where that value came from, which layer and which version. That is the artifact an audit asks for, and it exists whether the rating came from the Workbench or from your own system over the Rating API.
From submission to bound policy
An underwriter enters the risk in Underwriter Workbench, rates it against every program the organization is entitled to, reads the worksheet and binds. The premium is produced by the same engine and the same configuration whether the request came from the Workbench or from your own system over the Rating API.
Rating beyond the quote is a platform capability rather than a per product rebuild, so a line gains it without changing how your integration works. Ask us where Motor Truck Cargo stands for the program you are planning.
Common questions
Is Motor Truck Cargo available now?
Yes. It is a live SelectRate rating product with a Standard Program in every organization and sample transactions you can rate before you configure anything.
Can we rate both per vehicle and gross receipts accounts?
Yes. Both bases are supported on the same product, so a book written both ways does not need two raters.
Is refrigeration breakdown included?
It is rated as part of the product, with its own deductible, for the accounts that buy it.
Rate a cargo account on the call
Bring a carrier you write, on either basis, and we will rate it and read the worksheet with you.