Logistics & Transportation Risk Management
The transportation sector is the backbone of the economy, but it operates under immense regulatory scrutiny, volatile market conditions, and constant over-the-road risks. From managing a fleet of long-haul semis to executing complex last-mile logistics, transportation operations face unique and severe liabilities every mile.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Primary Commercial Auto Liability
Statutorily mandated high-limit liability protecting against third-party bodily injury and property damage claims while operating under dispatch.
Motor Truck Cargo
Broad-form protection for the freight you haul against damage or loss due to collision, fire, theft, or temperature control failure.
Physical Damage (Comprehensive & Collision)
Necessary to fund the repair or replacement of highly valued operational assets, including tractors, trailers, and specialized hauling equipment.
Non-Trucking Liability (Bobtail)
Essential coverage for owner-operators, addressing liability claims when a commercial vehicle is operated for personal use outside of dispatch.
Commercial General Liability
Protection for premises and operations outside of driving, covering dispatch offices, drop yards, and cross-docking facilities.
Workers’ Compensation & Occupational Accident
Statutory coverage for W-2 employee drivers and specialized alternative benefit programs for independent 1099 owner-operators.
Surety & Performance Bonds
Required financial guarantees to ensure compliance with FMCSA, DOT, and freight broker contract fulfillment standards.
Cyber & Privacy Liability
Critical protection against targeted ransomware attacks on logistics software, data breaches, and fraudulent load-board wire-fraud schemes.
High-Limit Excess Umbrella
Multi-million dollar liability layers required to meet the strict contractual guidelines of major enterprise shippers and logistics brokerages.
Logistics & Transportation Classes We Protect
Ready to Protect Your Fleet?
From a single power unit to a nationwide fleet, let’s build a program that satisfies your contracts and keeps you rolling. Connect with our team for a full risk review.