Can I Work With Multiple UIIA Insurance Companies to Increase Revenue?

1. What is the UIIA?
The UIIA (Uniform Intermodal Interchange and Facilities Access Agreement) is a standard agreement that allows carriers and owner-operators to access intermodal equipment (containers, chassis) and terminals while defining liability, insurance requirements, and operational rules.

2. Can a carrier use multiple insurance companies under the UIIA?
No. The UIIA requires that each carrier provide proof of insurance that meets the agreement’s minimum requirements. You cannot split coverage across multiple insurance companies for a single UIIA registration.

3. Why can’t multiple insurance companies be used?
The UIIA must have a single, clearly defined carrier liability and coverage source
Terminals and equipment providers need to verify insurance quickly for access
Splitting policies can create gaps in coverage and liability disputes in case of equipment damage

4. Can I have multiple UIIA agreements with different carriers?
Yes. An owner-operator can hold multiple UIIA registrations if operating under different companies or broker agreements, but each registration must have its own valid insurance policy.

5. Does using one insurance company limit revenue?
Not necessarily. Revenue is primarily determined by:
Load type (reefer, oversized, HAZMAT)
Terminal access and efficiency
Number of trips and contracts handled
A single, properly structured insurance policy allows you to operate across multiple terminals and brokers, so revenue potential is unaffected as long as coverage meets UIIA requirements.

6. Can I adjust my insurance limits to handle more lucrative contracts?
Yes. Carriers can increase liability and equipment coverage to qualify for higher-paying or specialized loads, like HAZMAT or oversized cargo. This does not require multiple insurance providers, just adjusting coverage under one policy.

7. Key takeaway
You cannot use multiple insurance companies for a single UIIA registration, but you can:
Adjust coverage limits to qualify for higher-paying loads
Hold separate UIIA agreements for different companies with individual policies
Ensure your insurance meets UIIA standards to maximize revenue opportunities