Freight Broker Insurance
Insurance built for freight intermediaries.
Contingent cargo, general liability, and coverage aligned with broker-carrier agreements.
Overview
Freight brokers face unique exposures — from cargo claims that fall between carrier coverage to E&O risk on rate confirmations. We build programs that protect your book and your operating authority.
What's typically included
- Contingent Cargo
- Broker General Liability
- Errors & Omissions
- Cyber Liability
- Surety guidance (BMC-84 / BMC-85)
When you need it
- You hold MC broker authority (FMCSA)
- You want protection when a carrier's cargo coverage fails to respond
- Shipper contracts require GL, E&O, or additional insured status
What this doesn't cover
- Cargo you physically haul (that's motor carrier cargo, not contingent)
- Employee dishonesty (usually addressed via crime/fidelity)
- General auto liability on trucks you don't own or operate
Coverage forms, limits, and exclusions vary by carrier and policy. This page is informational and not a statement of coverage.