Fleet, cargo, and transport liability, placed with specialist underwriters who understand how the industry operates, not generalists applying standard commercial terms to a specialist risk.
Transport businesses carry significant risk across multiple classes simultaneously. The vehicle that's involved in an accident may also be carrying cargo with a liability exposure. Getting the coverage right means addressing all of it, not just the fleet.
Why a specialist insurer matters
Transport is a risk class with specific exposures: dangerous goods, sub-contracting, interstate operations, driver risk. These are areas generalist insurers often handle poorly at claims time.
A specialist transport underwriter writes the policy knowing what can go wrong in your industry. Their policy wording, exclusions, and claims handling reflect that. A generalist's may not.
We look for
Fleet rated on incorrect vehicle use or GVM. A claim occurs outside the rated parameters. Insurer reduces or denies.
Goods in transit policy excludes certain cargo types or routes. Clients assume all freight is covered. It isn't.
Freight contracts require $20M RTL. Policy is at $10M. Client in breach, and underinsured.
Placed with a generalist who doesn't understand transport operations. At claims time, the interpretation goes against the client.
We'll check your existing policies for gaps, go to the right markets for your risk, and show you what's available. No cost, no obligation.