Frequently Asked Questions

Billing

• What forms of payment are accepted by TRANSGUARD?

  
  TRANSGUARD will accept Check, Bank Debit Cards, Visa, MasterCard, ACH and Bank Wires as form of payment.
  
  We will also gladly accept payments over the phone. Please contact your regional office during normal business hours for further assistance.
  
   Premier Program
        California (6:30-4:30 PT)
        Phone: 1-877-668-3725
  
   Independent Contractors
        KC - Missouri (7:00-5:00 CT)
        Phone: 1-800-821-8014
  
   Additionally, you can pay your invoice by Check (ACH) or Credit Card at any time via our website.
  
  

• Can I pay my monthly installment billing via reoccurring automatic debit?

  If you are interested in paying via automatic debit, TRANSGUARD will require that you complete an EFT Authorization Form . Please contact your regional office during normal business hours for further assistance.

   Premier Program Customers  (6:30-4:30 PT)

  Phone: 1-877-668-3725
  Fax: 1-877-252-6725
  Email: billing@transguard.com
  
  Motor Carrier/Independent Contractors (7:00-5:00 CT)
  Phone: 1-800-821-8014
  Email: NAIT-Billing@transguard.com

• Can I wire my payments to TRANSGUARD

  You can use the following information to have your bank wire funds directly to our bank:

  Domestic Incoming Wires

  Bank: Bank of America
  Bank City and State: Charlotte, North Carolina
  Account Name: TRANSGUARD INSURANCE COMPANY OF AMERICA, INC.
  Routing/ABA#: 026009593
  Premier Program Account Number: 237015176970
  Independent Contractor Account Number: 237015176983

  Domestic Automated Clearing House (ACH) Transactions

  Bank: Bank of America
  Bank City and State: Charlotte, North Carolina
  Account Name: TRANSGUARD INSURANCE COMPANY OF AMERICA, INC.
  Routing/ABA#: 053000196
  California Account Number: 237015176970
  Independent Contractor Account Number: 237015176983

   

• When should my payment reach TRANSGUARD?

  In order for your payment to be credited to your account by the close of business of the billing due date, all payments must be transacted via phone or web and/or reach our bank lock box by 5:00 p.m.

• Where do I send my TRANSGUARD premium payments?

  To facilitate the application of your payment without delay, we urge you to remit your check payment along with a copy of your invoice or remittance stub to the appropriate lock box address.

  Moving and Storage Program

  TRANSGUARD INSURANCE COMPANY OF AMERICA, INC.
  File 51138
  Los Angeles, CA 90074-1138

  Motor Carrier/Independent Contractor

  TRANSGUARD INSURANCE COMPANY OF AMERICA, INC.
  14602 Collection Center Drive
  Chicago, IL 60693 

• Who do I contact if I have a question on my bill?

  Premier Program Customers (6:30-4:30 PT)
  Phone: 1-877-668-3725
  Email: billing@transguard.com

  Motor Carrier/Independent Contractor (7:00-5:00 CT)
  Phone: 1-800-821-8014
  Email: NAIT-Billing@transguard.com  

• I misplaced my Invoice or Statement, how do I request a copy?

  Your underwriting office will be happy to provide you with duplicate copies of any Invoice or Statement.

  Moving & Storage Program (6:30-4:30 PT)
  Phone: 1-877-668-3725
  Email: billing@transguard.com

  Motor Carrier/Independent Contractor (7:00-5:00 CT)
  Phone: 1-800-821-8014
  Email: NAIT-Billing@transguard.com

• How do I read my invoice?

  Moving and Storage Program

  • Invoice sample and Invoice Information

   Independent Contractors/Motor Carriers:

  • Invoice Sample
  • How to Read an Invoice

Corporate Relocation

• What should I do after a loss?

  • Protecting yourself and others should be your first priority.
  • If possible, protect the property from further damage.
  • Do not dispose of or repair damages until you have received authorization from the handling adjuster.
  • Retain copies of any receipts or expenses related to your claim.

• Who should I contact if I have damage?

  Do not send your claim to your mover or freight forwarder.  Send it directly to TRANSGUARD as instructed on the Statement of Claim Cop Relocation form.

• How long do I have to file a claim?

  • Domestic moves require all claims to be filed within 90 days from the date of delivery to your residence.
  • International moves require all claims to be filed within 45 days from the date of delivery to your residence.

• Do I need to talk to someone immediately?

  All claims submitted either over the phone or online will be handled in a prompt professional manner.  If you feel you need to speak to someone immediately, please call 1-888-809-2319 and you will be connected to our 24-hour claims service.

Independent Contractor Claims

• One of my helpers has been hurt and I purchased workers’ compensation coverage. How should I proceed?

  Each state has specific requirements regarding the reporting and handling of a claim. You should notify TRANGUARD as soon as possible so an adjuster can begin investigating the claim and benefits can begin promptly if they are owed. You can either complete a claim form available on www.iatinsurancegroup.com or you can call our office at 1-800-474-2526 to report the claim.

   Do not delay if urgent medical care is needed, but please report the claim as soon as possible.

• One of my helpers is stating that he was hurt while working with me but I disagree. Do I still need to report a claim?

  Anytime that someone alleges that they were injured while working for you, a claim should be filed for your own protection. Filing a claim does not necessarily mean that payments will be made but a thorough investigation will be completed. You can either complete a claim form available on our website, www.iatinsurancegroup.com or you can call our office at 1-800-474-2526 and report the claim.

  It is very important that you maintain contact with your adjuster and assist him/her with the investigation. Without your detailed information, we may not have enough facts to support a fraudulent claim.

• If I am off work, when will I start receiving a check? How much will I receive?

  If you are an independent contractor with an Occupational Accident claim, before we can begin payment of benefits, we require certain documents to complete our investigation of the claim. You can contact your adjuster at 1-800-474-2526 to determine what documents are required.

  If your question relates to your employee's Workers' Compensation or your casual laborer's Occupational Compensation claim, the timing and payment of benefits varies by state. No payments can begin until the claim is reported and investigated by TRANSGUARD. If a claim is on file, your adjuster should be able to answer these questions. Please contact your adjuster directly by calling 1-800-474-2526.

• I received some legal paperwork that says I am being sued by an employee for workers’ compensation benefits. How should I proceed?

  If a claim is already on file, you can send the paperwork to the adjuster handling that claim. He/she may require additional information but can answer any questions you have regarding the paperwork that you received.

  If a claim is not on file, you should call our office at 1-800-474-2526 so we can start the claim process.

• What is Occupational Compensation?

  Occupational Compensation is an affordable alternative to Workers' Compensation for casual labor hired by the independent contractor. It is not a Workers' Compensation policy but provides benefits similar to the benefits that would be provided under the workers' compensation laws in the casual laborer's state of residence.

Marketing

• What is TRANSGUARD INSURANCE COMPANY OF AMERICA, INC.'s A.M. Best Rating?

  "A-" (Excellent) Class VIII, Reaffirmed June 12, 2014

• Do you offer Direct and/or Agency Billing?

  Independent Contractors are Direct Bill with the Motor Carrier or Owner/Operator. 
  Premier Programs are Direct Bill with the Insured.

• How do I become a Broker with TRANSGUARD?

  Please see the Working with TransGuard of our website.

• What information is needed to submit a quote?

  Moving & Storage Program

  To assure an accurate quote, underwriters will require completed applications including a listing of vehicles, drivers, motor vehicle records, property locations, 5-year loss runs and financial statements. Submitting this information 30 days in advance is desirable, but we will make every effort to assist you if you are faced with a "rush" situation.

   Independent Contractor

  To assure an accurate quote, underwriters will require a driver census, 3 years loss runs and a copy of the Independent Contractor lease agreement. For more details, please contact our Independent Contractor Group by phone at 1-800-879-0200 or via email at TGBusiness@TRANSGUARD.com.

Moving & Storage Program Claims

• How soon will someone contact me after a claim has been submitted?

  You will be contacted within two business days from the time you submit your claim. One of our in-house adjusters will walk you through the claims process and let you know if additional information is needed to proceed with the investigation of your claim.

• How is reporting my claim online different than reporting it over the phone?

  There is no difference between reporting your claim online or over the phone. You will receive the same prompt service.

• Do I need to talk to someone immediately?

  All claim submissions, whether over the phone or online, will be handled in a prompt, professional manner. If you feel you need to talk to someone immediately, please call 1-800-474-2526 and you will be connected to our 24 hour claims service.

• What information is required to report a claim?

  Each claim form designates the required fields that need to be completed to ensure your claim is handled promptly. Visit our claims page at www.IATInsuranceGroup.com.

• What should I do after a loss?

  • Protecting yourself and others should be your first priority.
  • If possible, protect the property from further damage.
  • Do not dispose of or repair damages until you have received authorization from the handling adjuster.
  • Retain copies of any receipts or expenses related to your claim.

Underwriting & Customer Service

• Do you offer monoline coverages?

  Moving & Storage are typically written as a package policy. The Independent Contractor Program coverages, Occupational Accident and Physical Damage, can be written as monoline.

• What coverages does TRANSGUARD offer?

   Moving & Storage Program Coverages:

  • Auto Liability
  • Physical Damage
  • Cargo
  • Warehouse
  • Equipment
  • Crime
  • Property
  • General Liability
  • Umbrella Liability
  • Employee Benefits Liability

  Independent Contractor Coverages:

  • Occupational Accident
  • Contract Liability
  • Physical Damage
  • Occupational Compensation
  • Workers' Compensation
  • Non-Trucking Liability
  • Non-Occupational Accident
  • Passenger Accident
  • Major Medical*

  * Insurance coverage provided by an outside carrier.

   

  For more information, contact your Underwriting Office:

   

  Premier Programs (7:30-4:30 PT)
  Phone: 1-800-252-6725
  Email: premier@transguard.com

   

  Independent Contractors (7:30-5:00 CT)
  Phone: 1-800-821-8014
  Email: TGBusiness@transguard.com

• When can I expect to receive my policy/certificate of coverage?

   Moving & Storage Program customers will have their policy mailed to their Broker within 14 days of the effective date of coverage.
  
  

  Independent Contractor Evidence of Coverage will be mailed to each individual driver within two business days of receipt. For a copy of your policy, please contact your customer service representative at 1-800-821-8014.

• How do I request a change to my policy?

  Moving & Storage Program customers should contact their Broker to request a change to their policy.
  

  Independent Contractor customers should contact their customer service representative at 1-800-821-8014.

• How long does it take to receive a change to my policy?

   Moving & Storage Program customer policy changes will be mailed within 14 days of your request.
  
  

  If you are an Independent Contractor, a revised Evidence of Coverage will be mailed out within two business days of receipt.

• How do I get a loss run report?

  Moving & Storage customers should send requests to premier@transguard.com. 

  Moving & Storage Programs: (7:30-4:30 PT)
  Phone: 1-800-252-6725
  Email: premier@transguard.com

   

  Independent Contractors: (7:00-5:00 CT)
  Phone: 1-800-821-8014
  Email: lossrunrequests@transguard.com

• How do I access the Motor Carrier Portal?

  Instructions for accessing the Motor Carrier Portal can be found in the attached Guide, please click on the link below to open:
  
  Motor Carrier Portal Guide