A risk advisor for transportation & logistics

In trucking and logistics, the largest losses sit on the road and on the dock. A single auto liability claim can run well into the layers above your primary limit, which is why we look at how your commercial auto, hired & non-owned auto, and umbrella stack together — and whether the limits actually clear what your shippers and broker contracts require. For interstate for-hire operations, we review the MCS-90 endorsement and the FMCSA filings (BMC-91/91X for liability, BMC-34/91 for cargo where applicable) so your authority, filings, and the policy behind them line up rather than drift apart at renewal.

Cargo and warehouse exposure is its own line of risk, separate from the truck. We place motor truck cargo with attention to the named perils, the refrigeration/reefer breakdown provisions, and the exclusions that quietly cut off loss-of-temperature or theft claims — and for operators who store or cross-dock freight, we add warehouse legal liability for goods in your care, custody, or control. Brokers and freight forwarders have a different problem: their exposure runs through the carriers they tender to, so we structure contingent cargo and broker liability to address freight loss when the hauling carrier’s coverage falls short.

Underwriting in this sector now runs on data. Carriers weigh CSA/BASIC scores, driver records, radius of operation, and telematics/ELD safety scoring, and a thin driver qualification file can move both price and appetite. We review how your DOT driver qualification, MVR pulls, and safety program are documented, help you read the certificates and additional-insured language your contracts demand, and structure the program to reduce gaps and clarify exclusions before a claim tests them.