Logistics companies manage complex supply chains with multiple risk touchpoints — warehouse operations, cargo in transit, freight brokerage, and third-party liabilities. Our logistics insurance programs cover every link in the chain.
Coverages we place
Warehouse legal liability for stored goods
Cargo insurance for goods in transit under your care
Freight broker surety bond (BMC-84)
General liability for facility operations
Commercial auto for company vehicles
Workers' comp for warehouse and office staff
Cyber liability for supply chain management systems
Errors & omissions for logistics services
Who needs this coverage
Third-party logistics providers (3PLs), freight brokers, warehouse operators, fulfillment centers, distribution companies, and supply chain management firms.
What drives your premium
Annual revenue and cargo values handled
Warehouse square footage and storage type
Number of shipments brokered or managed
Temperature-controlled storage requirements
Customer contract requirements and limits
Common exclusions
Losses from undisclosed hazardous materials
Damage due to inadequate packaging by shipper
Mysterious disappearance without evidence of theft
Acts of war or terrorism
Nuclear, chemical, or biological contamination
Frequently asked questions
Do freight brokers need insurance?
Yes. Freight brokers need a $75,000 BMC-84 surety bond or trust fund agreement. We also recommend contingent cargo insurance and errors & omissions coverage.
What is warehouse legal liability?
It covers goods in your warehouse that are damaged or destroyed by covered perils like fire, theft, or water damage. It's different from your building property insurance.
Does cargo insurance cover the full value of goods?
Cargo policies have per-shipment and aggregate limits. We'll structure your limits based on the maximum cargo value you handle to ensure adequate coverage.