Transportation

Transportation and logistics companies have some additional exposures not covered by the core insurance and risk management services most businesses require. Among the issues you need to consider are:

 

Motor Truck Cargo
Does your Motor Truck Cargo coverage exclude any types of cargo that you haul? Do you have coverage if the trailer is loaded and unhooked?

 

Hazardous Materials
Do you have the proper risk management procedures in place—and an adequate level of insurance coverage—to protect you when carrying hazardous materials? Do you need a special Pollution Policy to cover the costs of a cleanup related to hazardous materials?

 

Warehousing
If you have your own warehousing facilities, can you cover losses to the property of others that is in your care, custody and control? Are you storing any hazardous materials that could become pollutants in case of fire or other incident?

 

Workers’ Compensation
If you have drivers traveling to different states, are you aware that a Workers’ Compensation Policy has to be written to cover him or her in all of those specific states? What about Owner-Operators?

 

Trailer Interchange
Do you have Physical Damage Coverage for non-owned trailers?

 

Deadheading and Bobtail
If you are an Owner-Operator, do you have sufficient coverage when you are driving empty and are not covered by a trucking company’s policy?

 

Every business is unique. We look forward to working with you to identify and manage the risks that can impact the future of your company.