Certificate
A document showing evidence of a member's coverage under the group program. The policy controls if the certificate and policy differ.
Resource library
Documents, definitions, and direct answers.
Find program materials, understand the risk purchasing group model, and get clear answers to frequently asked questions.
Downloads
Keep the details close.
Open or save the program documents below. Contact Drayage if you need help locating a different form or current version.
DOCX
Drayage billing rules
Program billing guidance and related rules in an editable Word document.
Download document PDFMembership agreement
Review the Drayage membership agreement in a convenient PDF format.
Open PDF DOCXRPG questions and answers
A downloadable version of common questions about the risk purchasing group structure.
Download document HELPClaims reporting guide
Review reporting options, prepare the basic details, and begin an online claim report.
Visit claims centerFrequently asked questions
The group, the program, and what happens next.
These general answers help explain the Drayage structure. Specific coverage questions should be answered by the issued policy and certificate.
Under the federal Liability Risk Retention Act, a risk purchasing group is a group of similar businesses that share common risk characteristics and join together to purchase liability insurance from an insurance company.
A risk purchasing group purchases liability coverage from an insurance company for its members. A risk retention group is itself a liability insurance company owned by its members.
No. Drayage is a risk purchasing group—a group of businesses with similar risk characteristics that purchases liability insurance from an insurance company.
No. Under the Drayage program, each certificate has its own aggregate limit. Refer to the issued certificate and policy for the specific limits that apply.
No. Certificates are individually billed. Nonpayment may result in cancellation of the individual insured's certificate, not the coverage of every member.
An individual claim by another certificate holder does not cancel or change your certificate during its current coverage term. Each claim is reviewed under the applicable policy and certificate.
Timing depends on the size and completeness of the submission. Drayage generally aims for a 24-hour turnaround on complete quote requests, while larger or more complex submissions may take longer.
RPG membership is annual and may be discontinued. Any change to coverage is subject to the applicable policy terms, notice requirements, and billing obligations.
No. Every application is reviewed by the underwriting team, and the applicant must meet applicable membership and underwriting criteria before coverage can be offered.
Applicable state premium taxes and the annual RPG membership fee may be billed with the premium. Review the quote and billing documents for the amounts that apply to a specific account.
No. Drayage's Auto and General Liability program does not use one common expiration date for every member. Each certificate reflects its own applicable term.
The insurance application also serves as the membership application. Agencies binding business may also need to provide a producer agreement, agency license, and agency E&O declaration page. Contact Drayage to confirm the current submission requirements.
Plain-language glossary
Know the terms behind the program.
Aggregate limit
The maximum amount available under a coverage part for covered claims during the applicable policy period, subject to policy terms.
Underwriting
The process of evaluating an applicant's exposures, information, and eligibility to determine whether and on what terms coverage may be offered.
Premium
The amount charged for insurance coverage, separate from any applicable taxes, fees, or RPG membership charge shown in the billing documents.
Exclusion
A policy provision identifying a person, property, cause of loss, activity, or circumstance that is not covered.
First notice of loss
The initial report that tells the claims team an incident has occurred and provides the available facts needed to begin review.
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