Are you wondering what type of insurance you need as part of the transportation industry? That is a great question. The answer depends on what type of transportation functions you perform and whether you have any business partners. If you are a completely independent transportation professional, you may have fewer insurance requirements. However, if you want to partner with Amazon, FedEx, or other national carriers, you have to meet their contractual insurance requirements.
At Capstone Coverage, we pride ourselves on helping our customers find the right insurance for their business. Our agents will talk to you about your business requirements. Then, we will help you select the right coverage. You want enough insurance to protect you from liability and to protect your workers and equipment, without being over insured.
You may be surprised to realize that transportation insurance goes well beyond insuring your vehicles. In addition to commercial auto policies, you may need to have:
- Warehouse/ terminal coverage
- General liability insurance
- General property insurance
- Specialized cargo insurance
- Commercial courier insurance
- Workers’ compensation insurance
- Occupational accident insurance
Determining the right type of insurance depends on several factors. We look at the type of business, but also the size of your business. That helps us determine your ideal types and amounts of coverage.
Business Partner Programs
If you are handling transportation for any national companies, your contract will require you to have specific types of insurance. They may even dictate insurance coverage amounts. We can help you find the right transportation insurance coverage for:
If you are working as an independent courier or contracting for courier companies, you may find yourself carrying items with intangible values, such as documents. That can require different types of insurance, including coverage for
- Lost or damaged cargo
- Delayed deliveries
Expert Help for Your Transportation Company
Navigating insurance can get complicated. It can be tempting to go with the lowest quote, but you may find yourself with insurance gaps. For example, many local transportation companies have drivers that use their vehicles for personal and business usage. Are you covered if one of your drivers is in an accident outside of working hours? What about if one of your drivers is injured off-site while making a delivery? We can make sure you have all the coverage you need to protect your assets, your customers, and your employees. Call Capstone Coverage today to get started on your commercial transportation insurance quote.
* Disclaimer: Capstone Insurance is an independent agency.
Insurance programs for contractors are not affiliated with Amazon or FedEx.
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