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Areas of Expertise

Explore our areas of expertise within all major segments of the transportation industry.

As one of the nation's leading insurance and risk management advisors, we specialize in mitigating, eliminating, and insuring the risks of all major segments of the transportation industry from small to large fleet.

Insurance services for moving and storage companies typically provide financial protection in the event of damage, loss, or theft of goods during the moving and storage process. When reviewing your coverage needs, consider cargo insurance to cover loss or damage to transported goods, liability insurance to protect against legal claims, warehouse legal liability insurance for storage facilities, workers' compensation insurance for employee injuries, commercial auto insurance for company-owned vehicles, and umbrella insurance for additional liability coverage.

Our AP Transportation team will help you assess your insurance needs, including appropriate coverage levels and policy options.

Warehousing companies should carefully evaluate their specific insurance needs, consider industry regulations, and customize coverage to adequately protect their assets, operations, and liabilities. Warehouse legal liability insurance covers potential damage or loss of customers' stored goods. This type of insurance protects against risks such as fire, water damage, theft, or other specified perils. Liability insurance is also important to protect against legal claims related to property damage or bodily injury that may occur on the premises. Additionally, general property insurance should be considered to cover the building and its contents.

Our AP Transportation team works with you to carefully assess your specific needs and ensure you have adequate coverage.

Often the most critical step in the supply chain, last mile delivery requires efficient routing and coordination to ensure timely and cost-effective deliveries. Insurance considerations for last mile delivery companies include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by company-owned vehicles.
  • Cargo insurance to protect against loss, theft, or damage to the goods being transported during the delivery process.
  • Liability insurance to cover legal claims related to property damage or bodily injury that may occur during deliveries.
  • Workers' compensation insurance to protect employees in case of work-related injuries.
  • Cyber insurance to safeguard against data breaches and other cyber incidents.

As a liaison between shippers and carriers, freight brokers handle a variety of tasks, including obtaining competitive freight rates, managing documentation and paperwork, tracking shipments, addressing any issues that may arise during transportation, and providing logistics support and expertise to both shippers and carriers.

Insurance considerations for freight brokers include:

  • Contingent cargo insurance to protect against loss or damage to goods while under their care, custody, and control.
  • Errors and omissions (E&O) insurance to cover professional liability claims arising from errors, omissions, or negligence in their brokerage services.
  • General liability insurance to protect against third-party bodily injury or property damage claims.
  • Cyber liability insurance to safeguard against data breaches and cyber threats.
  • Contingent auto liability insurance to cover accidents caused by hired carriers.

Managing the complexities of international or domestic shipping requires freight forwarders to handle tasks such as documentation, customs clearance, insurance, warehousing, and coordination of transportation modes to ensure the smooth flow of goods from the point of origin to the final destination.

Insurance considerations for freight forwarders include:

  • Freight liability insurance to cover potential loss or damage to the goods being transported.
  • Errors and omissions (E&O) insurance to protect against professional liability claims arising from errors or negligence in their services.
  • General liability insurance to cover bodily injury or property damage claims that may occur during their operations.
  • Cyber liability insurance to safeguard against data breaches and cyber threats.
  • Contingent cargo insurance to protect against loss or damage while the goods are under their care.

Companies or individuals contracted by Fed-Ex or Amazon to transport goods serve as crucial links in the logistics and transportation operations of their respective companies, helping to ensure timely and efficient delivery of packages to customers. They play a vital role in the last mile delivery process, which is the final leg of the supply chain and often the most critical for customer satisfaction.

Insurance considerations for FedEx and Amazon haulers include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by their vehicles while in operation.
  • Cargo insurance to protect against loss, theft, or damage to the packages being transported.
  • Liability insurance to cover legal claims related to property damage or bodily injury that may occur during deliveries.
  • Workers' compensation insurance to protect employees in case of work-related injuries.
  • Cyber insurance to safeguard against data breaches and other cyber incidents.

Towing companies are often contracted by individuals, insurance companies, law enforcement agencies, or municipal authorities. They play a crucial role in ensuring the safe and efficient removal and transport of vehicles, providing assistance during emergencies, and supporting traffic management and public safety efforts.

Insurance considerations for towing companies include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by their towing vehicles while in operation.
  • Garage liability insurance to protect against claims related to damage or loss of vehicles being towed or stored.
  • General liability insurance to cover third-party bodily injury or property damage claims that may occur on the premises.
  • Workers' compensation insurance to protect employees in case of work-related injuries.
  • On-hook/cargo insurance to protect against damage or loss to vehicles being towed.

Passenger transportation services play a crucial role in providing mobility, connecting people with employment, education, healthcare, and recreational opportunities. Insurance considerations for passenger transportation services involve several key aspects.

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by vehicles used for transporting passengers.
  • Liability insurance to protect against claims arising from injuries or property damage to passengers or third parties.
  • Workers' compensation insurance to cover employees in case of work-related injuries.
  • Passenger liability insurance to provide coverage in the event of injuries or damages suffered by passengers during transportation.

School buses are an essential part of the educational system, providing a safe and efficient means of transportation for students. Insurance considerations for school buses include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by the vehicles while in operation.
  • Liability insurance to protect against claims arising from injuries or property damage to passengers or third parties.
  • Workers' compensation insurance to cover employees, including drivers and bus attendants, in case of work-related injuries.

Playing a crucial role in improving access to medical care, non-emergency medical transportation (NEMT) can involve various modes of transportation, including specially equipped vehicles, wheelchair-accessible vans, stretcher vans, or sedans with trained drivers or attendants.

Insurance considerations for non-emergency medical transportation (NEMT) services include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by the vehicles used for transportation.
  • Liability insurance to protect against claims arising from injuries or property damage to passengers or third parties during NEMT trips.
  • Workers' compensation insurance to cover employees, including drivers and attendants, in case of work-related injuries.
  • Professional liability insurance to protect against claims related to medical supervision during transportation.

Providing prompt and safe transportation, ambulances are an integral part of the healthcare system, providing vital pre-hospital care and acting as a crucial link between emergency situations and definitive medical treatment.

Insurance considerations for ambulances include:

  • Commercial auto insurance to cover accidents, property damage, and bodily injury caused by the vehicles while in operation.
  • Liability insurance to protect against claims arising from injuries or property damage to patients, third parties, or medical professionals during transportation.
  • Workers' compensation insurance to cover employees, including EMTs and paramedics, in case of work-related injuries.
  • Professional liability insurance to safeguard against claims related to medical treatment provided during transportation.
  • Property insurance for ambulance equipment and general liability insurance for premises-related incidents.

Acting as intermediaries, distributors play an important role in in the supply chain, often coordinating the transportation of goods from manufacturers to their own facilities and then to customers. Insurance considerations for distributors include:

  • Commercial general liability (CGL) insurance to protect against claims of bodily injury or property damage occurring on their premises or as a result of their products.
  • Product liability insurance to cover claims arising from the sale or distribution of products that cause harm or injury.
  • Property insurance to protect physical assets such as inventory, equipment, and warehouses against perils like fire, theft, or natural disasters.
  • Business interruption insurance for loss of income in case of disruptions to the distribution operations.
  • Cyber liability insurance to safeguard against data breaches.
  • Business liability insurance for contractual obligations.

Whether its trucking, delivery, ridesharing, courier services, or passenger transportation, independent contractors have the benefit of flexibility. However, as separate entities, they are responsible for their own business operations, including insurance licensing, and compliance with applicable laws and regulations. AssuredPartners Transportation can serve as a trusted advisor to independent contractors, helping them understand their insurance needs, find appropriate coverage, mitigate risks, and provide ongoing support to protect their business and assets.
Gig workers in the transportation industry are commonly associated with ride-hailing services like Uber or Lyft to provide transportation, but can also include delivery drivers, couriers, or other on-demand transportation providers. Workers in the gig economy enjoy the flexibility and potential income opportunities that come with working on their own terms. However, they also face challenges such as fluctuating demand, increased competition, and a lack of traditional employment benefits. It's important for gig workers to understand their rights and responsibilities as independent contractors and consider factors like insurance coverage, business expenses, and self-employment taxes to ensure they operate within legal and financial guidelines.

M&A activities in the transportation industry are driven by various factors, including market consolidation, cost efficiencies, access to new markets, strategic positioning, and growth opportunities. These transactions can reshape the competitive landscape, lead to industry consolidation, and drive innovation in the transportation sector.

By leveraging our expertise in the transportation industry and insurance knowledge, AssuredPartners Transportation can help facilitate a smooth M&A process, minimize risks, optimize insurance coverage, and support the successful integration of insurance programs for companies involved in M&A activities.

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