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INSURANCE OPTIONSFOR INDEPENDENT CONTRACTORTRUCKING PROFESSIONALSWave Express cares about the success of your business. To help yousucceed, we’ve partnered with Cottingham & Butler for competitivesettlement deduction insurance offerings. Proper insurance coverage iscritical to protecting your business as an independent Contractor. Pleasereview the information within this guide carefully and consult with yourContractor Services Representative at 563.587.5600 with questions.COVERAGES OFFERED:Unladen Auto LiabilityPhysical DamageOccupational Accidentp1p2p4Apply Online via Smartphone or Computerhttps://signnow.com/s/CQP4qXJ8The information described herein is only intended to be a summary of your insurance options. It does not describe nor include all benefit provisions,limitations, exclusions, or qualifications for coverage. Please review your policy for a complete explanation of your benefits. If the benefits conflict in anyway with the policy, the policy will prevail.

UNLADEN AUTO LIABILITY –AMTRUST COREPOINTEProgram Pricing & Fees: 111.45 per month all states except MI and NY registered trucks** Does not include electronic transactions fees . 119.78 per month for MI registered trucks** Does not include electronic transactions fees.What is it?Unladen Auto Liability pays damages to 3rd party property or people (auto-liability) when not in the business oftrucking. This program includes coverage for Underinsured and Uninsured motorist and Personal Injury Protectionat your States Required Minimums.Why buy it? Your contract with your motor carrier may require you to carry Non-Trucking Liability. You are responsible for liability coverage for personal use of your truck.Limit: 1,000,000Coverage FormAuto Liability for a covered auto that:1. Does not contain or is not carrying property of others; or2. Is attached to a trailer that does not contain or is not carrying property of others.3. Who is An Insured does not include: (i) anyone engaged in the business of transporting property by auto for hire who is liable for yourconduct; (ii) a motor carrier, or (iii) any of your household members.** Credit Card 5.95 per invoice or ACH available after initial payment 2.95 per invoice. The information described herein is only intended to be asummary of your insurance options. It does not describe nor include all benefit provisions, limitations, exclusions, or qualifications for coverage. Pleasereview your policy for a complete explanation of your benefits. If the benefits conflict in any way with the policy, the policy will prevail.1

PHYSICAL DAMAGE – AMTRUST COREPOINTEPhysical Damage insurance pays for damages to your covered truck or trailer resulting from a covered claim.Program Pricing & Fees: 3.78 per 1,000 value 1.45 Admin. Fee per monthExample Cost: 35,000/ 1,000 x 3.78 1.45 133.75 monthlyTruck Plus Endorsement Program Pricing & Fees: (optional) 4.30 per 1,000 value 1.45 Admin. Fee per monthExample Cost: 35,000/ 1,000 x 4.30 1.45 151.95 monthlyLimitsAny One VehicleLesser of Stated Amount or ACV 250,000 max/unitAny One Combination of Vehicles 1,000,000Towing & StorageReasonable & NecessaryElectronic Equipment (permanently attached) 3,500DeductiblePer Unit or Combined Tractor/TrailerPer UnitCollision 1,000Comprehensive 1,000Electronic Equipment (permanently attached) 1,000Valuation: Lesser of Actual Cash Value, Stated Amount or Cost of RepairFast Truck Nationwide NetworkWhen your rig is down, we’re here to help. As a customer of our Trucking Division, you can get your wheels back inaction an average of five days faster with our Fast Truck program. This streamlined service is included with yourPhysical Damage policy. We hand-pick only the best shops and work directly with them to negotiate discounts andpayment.How Fast Truck WorksFind a shop Your claims adjuster will help you find a Fast Truck shop.Start Repairs Qualified personnel will inspect your truck and prepare an estimate for repairs. We’ll approve the repair estimate,usually within just a few hours! There’s no need to wait for an external appraiser. Then, with your authorization, theshop can get started.Get Moving When your rig is ready, you can roll! Shops will release your truck as soon as repairs are complete – even if theyhaven’t received payment from us yet. All you pay is your deductible and applicable charges.** Credit Card 5.95 per invoice or ACH available after initial payment 2.95 per invoice. The information described herein is only intended to be asummary of your insurance options. It does not describe nor include all benefit provisions, limitations, exclusions, or qualifications for coverage. Pleasereview your policy for a complete explanation of your benefits. If the benefits conflict in any way with the policy, the policy will prevail.2

OPTIONAL TRUCK PLUS COVERAGE DETAILS: Additional cost per month. See Truck Plus pricing on previous page.Provides benefits when a scheduled vehicle is out of service due to a coveredPhysical Damage loss. Benefits are 125 per day, for the length of time requiredDowntimefor repair up to 30 days, subject to a 3,750 maximum per claim. A ten (10) daywaiting period applies beginning the day after the claim is reported and thevehicle is out of service. Benefits are not payable for a total loss, theft, ordowntime due to mechanical breakdown or any reason other than a covered loss.Provides coverage for loss of personal belongings that are kept in your scheduledvehicle, but not permanently attached to the vehicle. The property must be in thecovered auto at the time of loss. The coverage provides benefits up to a 5,000annual limit with a 250 deductible per claim. Benefits are not available for thefollowing: Accounts, bills, currency, deeds, evidence of debt, money, notes orsecurities; electronic equipment or tapes, records, discs or other similar audiovisual or data electronic equipment; jewelry, watches, necklaces, bracelets orPersonal Effectsrings; precious metals and stones such as gems, gold, platinum or silver; furs;animals, birds or fish; motorized vehicles; firearms or ammunition. This coverageexcludes “Loss” caused by the following: Theft if, at the time of the “Loss” theCovered Auto is unattended, unless the Loss is the result of forcible entry intosuch vehicle while all doors, windows or other openings are closed and locked andprovided there are visible signs or marks of forced entry; Mysteriousdisappearance of the covered property. Collusion, conversion, embezzlement,secretion or any other intentional loss to the covered property. Coverage is excessover any other collectable insurance.You will pay the deductible stated on the declarations page only once for damagesSingle Deductibleto your tractor and trailer when both are insured by this policy and are damagedby the same covered cause of loss.Insured deductible will decrease 25% of the deductible amount at policy inceptionDiminishing Deductiblefor every year in which the insured does not have a loss until the deductiblereaches 0. The deductible will reset to the original amount as at policy inceptionwhen the insured has a loss.In the event of a total loss, pays up to 15,000 above the actual cash value ofLease/Loan GAPcovered auto at time of loss if covered auto is listed under a lease or loanagreement and the covered auto stated amount is equal to or greater than theamount owed on the lease or loan agreement. Further exclusions apply.Provides coverage for loss of tarps, chains and binders up to a limit of 2,500 andTarps, Chains and Binderssubject to a deductible of 500 per loss if the loss occurs while the tarps, chainsand binders are used with the insured trailer or semi-trailer as described in thepolicy/certificate.** Credit Card 5.95 per invoice or ACH available after initial payment 2.95 per invoice. The information described herein is only intended to be asummary of your insurance options. It does not describe nor include all benefit provisions, limitations, exclusions, or qualifications for coverage. Pleasereview your policy for a complete explanation of your benefits. If the benefits conflict in any way with the policy, the policy will prevail.3

** Credit Card 5.95 per invoice or ACH available after initial payment 2.95 per invoice. The information described herein is only intended to be asummary of your insurance options. It does not describe nor include all benefit provisions, limitations, exclusions, or qualifications for coverage. Pleasereview your policy for a complete explanation of your benefits. If the benefits conflict in any way with the policy, the policy will prevail.4

Wave Express cares about the success of your business. To help you succeed, we've partnered with Cottingham & Butler for competitive settlement deduction insurance offerings. Proper insurance coverage is critical to protecting your business as an independent Contractor. Please review the information within this guide carefully and consult .