Who Needs Insurance Services?
Freight Brokers
Freight brokerage operations
Carriers & Fleets
Fleet & driver management
Freight Forwarders
Global logistics coordination
Private Fleets
Dedicated fleet operations
3PL Providers
Third-party logistics
Shippers & Manufacturers
Production & distribution
E-Commerce & Retail
Omnichannel fulfillment
What are Logistics Insurance Services?
Insurance services for logistics include specialized brokers and underwriters that provide coverage for the unique risks of transportation operations. From trucking liability and cargo insurance to warehouse coverage and cyber liability, logistics companies need comprehensive protection against operational, financial, and legal risks.
Types of Insurance Services
Insurance providers specialize in different segments of the logistics industry:
Carrier / Fleet Insurance Services
Insurance solutions for motor carriers, trucking companies, and fleet operators. Key coverages include auto liability providing required coverage for bodily injury and property damage, physical damage with comprehensive and collision protection for trucks and trailers, motor cargo insurance covering freight in transit, non-trucking liability for bobtail and deadhead operations, workers compensation for employee injury coverage, occupational accident insurance for owner-operators and independent contractors, and umbrella policies for excess liability protection. Best for trucking companies, private fleets, and owner-operators needing comprehensive protection for their vehicles, drivers, and cargo operations.
Cargo / Shipper Insurance Services
Insurance solutions for companies shipping goods who need protection beyond carrier liability limits. Key coverages include all-risk cargo insurance providing broad protection for goods in transit, marine cargo insurance for ocean freight shipments, warehouse-to-warehouse coverage protecting goods throughout the supply chain, temperature-sensitive cargo coverage for perishables and pharmaceuticals, high-value goods coverage for electronics, jewelry, and specialty items, stock throughput policies covering goods from origin through final destination, and supply chain disruption coverage for business interruption. Best for shippers, manufacturers, retailers, and importers who need to protect high-value or sensitive cargo beyond the limited liability provided by carriers.
Broker / 3PL Insurance Services
Specialized insurance for freight brokers, 3PLs, and logistics intermediaries. Key coverages include contingent cargo insurance providing backup coverage when carrier insurance is insufficient, errors and omissions (E&O) coverage for professional liability and service failures, general liability for premises and operations, cyber liability for data breach and technology failures, warehouse legal liability for goods in storage, surety bonds including BMC-84 freight broker bonds, and umbrella policies for excess liability across all coverage lines. Best for freight brokers, 3PLs, freight forwarders, and logistics service providers who face unique liability exposures as intermediaries between shippers and carriers.
Working with Insurance Providers
Direct Writers
Insurance companies that sell policies directly. May specialize in trucking or general commercial lines.
Brokers/Agents
Independent representatives that shop coverage across multiple carriers. Transportation specialists offer industry expertise.
Captives & Programs
Group programs and captive insurance arrangements for qualified operators. Often offer better rates for good performers.
Selection Criteria
1. Industry Specialization
Transportation-focused providers understand operations and offer appropriate coverage.
2. Carrier Financial Strength
Verify A.M. Best ratings of underlying insurance carriers.
3. Claims Service
Evaluate claims handling reputation and process.
4. Risk Management
Look for providers offering safety resources and risk mitigation support.
Getting Started
Explore insurance options in our Insurance Services comparison tool to find coverage for your logistics operations.