Industry · Logistics & fleet
Insurance for fleets that keep moving.
Carriers, third-party logistics providers and private fleets face large auto claims and strict shipper contracts. We build programs that keep trucks on the road and hold up after a serious loss.
Exposures
What the program has to answer for.
Five risks we plan around before we approach a single carrier.
- 01
Auto liability severity
A single serious crash can produce a judgment larger than a primary auto limit. We size primary and excess layers to the size of the fleet, the lanes and the routes it runs.
- 02
Cargo loss and exclusions
Cargo policies list what they will not pay for, such as unattended vehicles or refrigeration breakdown. We read those conditions against how your drivers and equipment actually operate.
- 03
Physical damage to equipment
Tractors and trailers are expensive to replace and expensive to have sitting idle. Physical damage cover pays to repair or replace them after collision, fire or theft.
- 04
Driver hiring and negligent entrustment
After a crash, plaintiffs look at who you hired and how you screened them. Written driver standards and records of motor vehicle report checks help both underwriting and defense.
- 05
Shipper and broker contract terms
Shippers and freight brokers set minimum limits and require particular endorsements. We review each contract so a missing endorsement does not cost you the lane.
Coverage
The covers that carry the weight.
Each card shows how the cover fits into a program.
- General liabilityInjury and property damage claims from third parties.The first layer of your liability tower.
- PropertyBuildings, stock and equipment, plus lost income.The primary layer of a property program.
- CyberBreach response, ransomware and business interruption.Cyber is a standalone policy with its own tower.
- Umbrella & excessHigher limits stacked above your primary policies.The upper layers of your liability tower.
Your brokers
The people on your account.
Questions
Straight answers.
What is the difference between primary auto liability and cargo cover?
Auto liability pays for injury and damage your vehicles cause to other people. Cargo cover pays for loss or damage to the freight you are hauling. They respond to different losses and have separate limits.
Does my auto policy cover a trailer I am pulling?
Liability usually follows the power unit, but physical damage to the trailer itself needs to be scheduled or covered separately, especially for trailers you do not own. We check how each unit is listed.
Do private fleets need excess liability?
If your vehicles operate on public roads, a serious crash can exceed a primary limit. Many private fleets add excess above primary auto to protect the balance sheet.
What do you need to quote a fleet?
A vehicle schedule, driver list with license details, loss runs for the past several years and a summary of your lanes and cargo. Rough figures are enough to start.
Show us the fleet schedule.
Share your vehicle list and current auto policy and we will show where limits and cargo terms fall short of your contracts.