Services | Products

RISK MANAGEMENT

Auto Liability:

Auto Liability insurance provides coverage for bodily injury and property damage to third parties when a commercial truck is involved in an accident.

Who Needs It:

Key Notes:

Motor Truck Cargo:

Motor Truck Cargo insurance covers loss or damage to freight while in the carrier’s care, custody, or control due to covered causes.

Key Considerations:

Occupational Accident:

Occupational Accident provides benefits for independent contractors.
It is NOT workers’ compensation and does not satisfy statutory workers’ comp requirements where mandatory.

Auto Physical Damage:

Auto Physical Damage covers damage to owne or leased trucks and trailers.

Coverage Includes:

Non-Trucking Liability:

Non-Trucking Liability applies only when a truck is not under dispatch and not being used for business purposes.
It does NOT apply while hauling a load or operating under dispatch.

Cyber liability:

Cyber Liability insurance helps protect against losses related to data breaches, ransomware, and cyber events. .

Crime Insurance:

Crime insurance protects against losses from theft, fraud, forgery, and employee dishonesty.

Contingent Auto Liability:

Protects your brokerage when a motor carrier’s auto liability insurance fails or is insufficient. If a motor carrier you hire is involved in an accident and their insurance denies coverage, cancels, or has limits that are exhausted, Contingent Auto Liability can step in to protect your brokerage from third-party bodily injury or property damage claims.

Who Needs It:

Even though you don’t own the trucks, plaintiffs often include brokers in lawsuits after serious accidents. This coverage provides an additional layer of protection when carrier coverage breaks down.

Contingent motor truck cargo:

Provides backup protection when a motor carrier’s cargo policy does not respond.
If freight is lost or damaged and the carrier’s cargo insurance denies the claim, excludes the commodity, has lapsed coverage, or carries inadequate limits,
Contingent Cargo can help protect your brokerage from financial loss.

Even though you don’t own the trucks, plaintiffs often include brokers in lawsuits after serious accidents. This coverage provides an additional layer of protection when carrier coverage breaks down.

Why it matters:

Shippers often look to the broker first when cargo is damaged. This coverage helps shield your balance sheet when a carrier’s policy fails.

General Liability:

Provides backup protection when a motor carrier’s cargo policy does not respond.
If freight is lost or damaged and the carrier’s cargo insurance denies the claim, excludes the commodity, has lapsed coverage, or carries inadequate limits,
Contingent Cargo can help protect your brokerage from financial loss.

Even though you don’t own the trucks, plaintiffs often include brokers in lawsuits after serious accidents. This coverage provides an additional layer of protection when carrier coverage breaks down.

Why it matters:

Shippers often look to the broker first when cargo is damaged. This coverage helps shield your balance sheet when a carrier’s policy fails.

Professional Liability E&O:

Protects your brokerage against claims arising from professional mistakes, negligence, or failure to perform services. Also known as Errors & Omissions (E&O), this cov erage applies if a client alleges financial loss due to improper carrier vetting, failure to follow shipping instructions, documentation errors, or other professional services issues.

Why it matters:

Freight brokers and forwarders are often sued for decisions and administrative errors even when they d id nothing wrong. E&O helps cover legal defense costs and potential settlements.

Risk Management:

We go beyond insurance placement. Our risk management support is designed to help protect your operation, reduce claims frequency, and strength compliance posture.

Services may include:

Our goal is to help you identify exposures before they become costly claims — and to provide practical tools to improve safety and operational discipline.

These services are advisory in nature and are intended to support your internal compliance efforts. They do not guarantee loss prevention, regulatory compliance, or specific outcomes.

Captive & alternative risk management solutions:

For qualified operators, traditional insurance is not the only option. Captive and alternative risk structures allow financially disciplined companies to take greater control over their risk, stabilize long-term costs, and participate in underwriting profits.

Single parent captive:

A Single Parent Captive is a privately owned insurance company formed by one business to insure its own risks.

This structure allows a company to:

Best suited for larger fleets or transportation companies with strong loss history, financial stability, and a long-term strategic outlook. Ideal for: Operators seeking maximum control and long-term cost predictability.

Group Captive:

A Group Captive is an insurance company owned collectively by multiple like-minded businesses that share similar risk profiles. Members benefit from:

Members benefit from:

More stable and predictable pricing compared to the traditional market

Each member’s performance impacts their financial outcome rewarding safe and well-managed operations. Ideal for: Growth-oriented fleets looking to lower total cost of risk while participating in potential profit returns.

Ideal for: Operators seeking maximum control and long-term cost predictability.

Heterogene and homogeneous captive programs:

A Group Captive is an insurance company owned collectively by multiple like-minded businesses that share similar risk profiles. Members benefit from:aWe structure both homogeneous and heterogeneous captive programs depending on client objectives: Members benefit from:

Homogeneous Captives:

Homogeneous Captives:

Cross-Border based captive solutions:

Designed for transportation companies operating in U.S.–Mexico cross-border environments. Members benefit from: