From highways to railways, we protect the people who keep the world moving.

Nearly 30% of transportation workers experience a disabling injury or illness before retirement.

1 in 5 truck drivers will face a career-ending health condition during their working years.

Over 40% of accidents involving transportation workers occur off duty, where employer coverage usually doesn’t apply.

35% of professionals in the transportation sector lack adequate disability or life insurance.

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Transportation professionals face long hours, physical demands, and high exposure to accidents. While many employers provide basic coverage, it is often limited, excludes off-duty claims, or caps income replacement well below actual earnings. Traditional carriers frequently classify these roles as high risk, leaving significant coverage gaps.

Industry Outlook

Why is Coverage Important?

Your ability to stay behind the wheel, on the tracks, or in the logistics network is your livelihood. Without adequate protection, an illness, injury, or accident could derail your career and compromise your financial stability and family’s future.

Coverage tailored for truck drivers, train operators, delivery personnel, and logistics professionals.

High-limit income protection to safeguard paychecks even when off duty.

Supplemental life and accident coverage that closes the gaps left by employer plans.

Access to specialty carriers willing to insure the unique risks of the transportation sector.

An AI-powered process that streamlines applications and reduces underwriting delays.

How WAIN Helps

High-Limit Income Protection:

  • Short Term Disability: Temporary income replacement, typically for 3 to 6 months. Covers expenses during a medical leave.

  • Long Term Disability: Extended benefits set to begin after short-term disability ends for claims lasting longer than six months, providing income replacement for 2, 5, or 10 years or up to age 65–67, depending on the policy.

Life Insurance:

  • 10-30 Year Term Life: Flexible protection for families and financial planning with affordable premiums

  • Guaranteed Universal Life (Permanent): Locks in permanent coverage and a guaranteed death benefit so you don’t have to reapply later.

  • Accidental Death & Dismemberment (AD&D): Provides additional benefit if death or a qualifying injury results from a covered accident—an added layer of protection for those working in higher-risk environments.

This is not intended to be a complete outline of coverage. Actual wording may change without notice. Underwriters reserve the right to modify terms and conditions at time of underwriting.

Products Offered

“Transportation professionals spend their lives on the move, but coverage doesn’t always follow. I know how difficult it can be when traditional carriers view your work as too risky. WAIN was created to fill those gaps, giving drivers, operators, and logistics workers peace of mind no matter the road ahead.”

-Darwin Pichardo, Broker/Founder