Logistics
Cargo in motion and inventory at rest create connected exposures. We structure auto, cargo, warehouse legal liability, property, and professional coverage around how goods actually move through your operation.
< 5 min
COI generation time
48 hrs
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24/7
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Coverage types built around the risks your business actually faces.
Commercial Auto Liability
Bodily injury and property damage liability for vehicles you own or lease: shuttles, service vans, box trucks, tractors. FMCSA-filed limits for interstate carriers, standard business auto limits for everyone else.
Nuclear verdicts above $10M are now routine in vehicle litigation, and a plaintiff's attorney sees a business defendant, not a truck. A single serious accident with inadequate limits can exhaust a company's assets. Limits should reflect your route profile and exposure, not the FMCSA floor or a default $1M.
Physical Damage
Collision, comprehensive, and specified perils coverage for owned units, from passenger vans to tractors and trailers. Includes towing and storage, rental reimbursement during repairs, and diminished value protection.
A new Class 8 tractor costs $180K+, a shuttle van $60K+. A total loss without adequate physical damage coverage means financing a replacement while still paying off the original. Scheduling each unit at an accurate value prevents coinsurance gaps.
Motor Truck Cargo
Coverage for freight in your possession during transit: loading, hauling, and unloading. Includes commodity-specific endorsements for refrigerated, hazmat, high-value, and oversized loads.
Your shipper contracts specify cargo liability limits. If you're hauling $500K in electronics with a $100K cargo limit, the gap is your personal exposure. Cargo limits should match your highest-value load, not your average haul.
Trailer Interchange
Coverage for non-owned trailers in your possession under interchange agreements. Protects against physical damage to trailers you pull but don't own, a gap that standard auto policies don't cover.
If you damage an interchanged trailer, the trailer owner's insurance won't cover it, and your commercial auto policy excludes non-owned trailers. Trailer interchange fills this gap, and most intermodal and drayage operations can't function without it.
Freight Broker E&O / Contingent Cargo
Errors and omissions coverage for negligent carrier selection, and contingent cargo coverage for when the carrier you brokered doesn't have adequate insurance to cover a loss.
If you broker loads and the carrier you selected has a cargo claim that exceeds their limits, or worse, their policy was cancelled, the shipper comes after you. Broker E&O and contingent cargo are the only forms that respond to this exposure.
Warehouse Legal Liability
Coverage for customer goods in your care, custody, and control. Protects against damage, theft, and mysterious disappearance of stored inventory. Per-client and per-occurrence limits structured to your customer mix.
Standard CGL excludes damage to property in your care, custody, and control. Warehouse legal liability is the only form that responds when client goods are damaged in your facility, and your warehouse contract's limitation of liability clause may not hold up in court.
Commercial Property
Building, racking systems, dock equipment, cold storage infrastructure, conveyor systems, and material handling equipment. Includes coverage for improvements and betterments in leased facilities.
High-density racking, automated conveyor systems, and cold storage units are expensive to replace and critical to operations. Under-insuring your warehouse infrastructure means a fire could close your facility even if client goods are covered separately.
Equipment Breakdown and Spoilage
Coverage for refrigeration system failure, compressor burnout, ammonia system malfunction, and electrical distribution failure. Spoilage coverage protects against the value of temperature-sensitive goods destroyed by equipment failure.
A single refrigeration compressor failure in a cold storage facility can destroy millions in perishable inventory within hours. Standard property policies exclude mechanical failure. Equipment breakdown is the only form that responds, and spoilage coverage is what pays for the client's ruined goods.
Cyber Liability
Protection for WMS and TMS system breaches, EDI data compromise, client inventory data exposure, and ransomware attacks that halt fulfillment operations.
A ransomware attack that locks your WMS means you cannot receive, pick, pack, or ship. Every hour of downtime is a breach of your SLAs. Cyber covers the ransom negotiation, system restoration, business income loss, and client notification costs.
These aren't hypotheticals. They're the claims scenarios we see. Here's how coverage actually responds.
Your driver rear-ends a passenger vehicle at highway speed, causing a chain reaction involving four vehicles. Three people are hospitalized with serious injuries. The plaintiff's attorney files suit for $15M.
How coverage responds: Commercial Auto Liability covers bodily injury and property damage defense costs and settlement. But if your policy limit is $1M (the FMCSA minimum for non-hazmat), you're exposed for $14M. We structure primary and excess auto liability to protect against nuclear verdict exposure.
A temperature-controlled trailer's refrigeration unit malfunctions 6 hours into a 14-hour haul. The pharmaceutical cargo requires continuous cold chain. The entire load is condemned.
How coverage responds: Motor Truck Cargo with temperature variance endorsement covers the full declared value. Without the endorsement, temperature-related losses are excluded from standard cargo forms. The shipper's contract holds you liable regardless.
A false alarm triggers the sprinkler system in a warehouse zone storing electronics for your largest client. Water damage renders the inventory unsalvageable.
How coverage responds: Warehouse Legal Liability covers the client's inventory at declared value. But the key question is limits. If your per-client limit is $1M and the loss is $2M, you're personally exposed for the gap. We structure limits around your largest client's maximum storage value.
Most quotes delivered within 48 hours.
Fleet size, driver structure, cargo types, operating radius, warehouse footprint, client concentration, storage conditions, and technology stack.
We connect fleet safety, cargo values, warehouse contracts, client concentration, and technology dependencies instead of reviewing each policy in isolation.
Compare carrier terms across auto, cargo, warehouse legal liability, property, cyber, and professional coverage with the important exclusions called out.
Manage policy documents, certificates, drivers, units, locations, and claims as your logistics network changes.
We review your current program, benchmark it against your industry, and show you where the gaps are. No guesswork.
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