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Freight Brokers & Logistics

Insurance for freight brokers and logistics.

Brokers and logistics companies do not own the trucks, but they carry real exposure: errors in arranging transport, contingent cargo, and the contract and certificate requirements of shippers and carriers.

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Freight broker and logistics insurance combines contingent cargo, general liability, and errors and omissions or broker liability, with the bond or trust the FMCSA requires for broker authority. The exposure is contractual and professional rather than vehicle-based.

Broker liability and E&O

A broker's exposure is in arranging transport: a mistake, a misrouted or damaged load, a carrier vetting failure. Errors and omissions or contingent liability coverage responds to that professional exposure, which general liability alone does not. This is the core coverage for a broker.

Contingent cargo

When a contracted carrier's cargo coverage fails to pay, contingent cargo can step in to protect the broker and the shipper relationship. It is not a substitute for the carrier's coverage, but it backstops the gap. We confirm the terms and limits fit your freight.

Authority, bond, and contracts

Freight brokers face specific FMCSA authority requirements, including a surety bond or trust (commonly the BMC-84 or BMC-85) and process-agent filing, and their contracts with shippers and carriers drive certificate and insurance requirements. We line up the coverage and verify the authority side with the FMCSA.

Frequently asked

Common questions.

What insurance does a freight broker need?
Generally contingent cargo, general liability, and errors and omissions or broker liability, plus the FMCSA broker bond or trust and process-agent filing. The exposure is contractual and professional.
What is contingent cargo coverage?
Coverage that can respond when a contracted carrier's cargo insurance fails to pay, backstopping the broker and shipper. It does not replace the carrier's coverage. We confirm the terms.
Do brokers need a bond?
FMCSA broker authority generally requires a surety bond or trust (such as the BMC-84 or BMC-85) and a process-agent filing. Verify the current requirements with the FMCSA.
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Does your coverage match how you run?

Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.

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We match coverage to your operation and cargo
We check filings, radius, and contract requirements
We line up liability, cargo, and physical damage
You get a clear read, no obligation
Related resources

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Coverage

Freight Broker Liability

The broker's professional exposure.

Coverage

Contingent Cargo

Backstop when a carrier's cargo fails.

Filings

Operating Authority

Broker authority and the bond.

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Independent, trucking-first

Coverage for the broker's real exposure.

Tell us how your brokerage or logistics operation runs and we will build coverage that fits.

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