We establish whose goods need cover
We distinguish your inventory from customer freight in the submission. We examine who bears a loss during transport or storage and compare that responsibility with the property insured by the proposal.
Commercial insurance coverage
Insurance for the goods and the business moving them.
We seek cover for your freight operation and check the proposals against the jobs you take on. Here is how the core policies work and what we examine before recommending terms.
Inland marine
Inland marine insurance can cover movable property and goods in transit. We seek the cargo, equipment, or bailee terms that fit your business and explain which property each proposal includes.
We examine cargo restrictions
We check shipment valuation and restrictions for unattended vehicles, temperature damage, and loading. Temporary storage terms also go into the comparison, with any limits that affect your usual route.
We check where transit cover ends
Stock kept at a warehouse may need commercial property insurance. We identify that need alongside transit cover and explain how the proposed policies treat goods arriving, remaining in storage, and leaving again.
What we work through with you
- Types of goods and highest expected shipment value
- Owned freight versus property held for customers
- Storage locations, stops, routes, and transport agreements
- Cargo forms, endorsements, deductibles, and prior loss information
Commercial auto
Commercial auto covers specified vehicle liability and can include physical damage to insured vehicles. We compare those terms for your fleet and assess cargo insurance separately for the freight.
We check the vehicle schedule
We work from the vehicles dispatch actually uses. Owned trucks, rented replacements, and employee vehicles used for business need to be described accurately when we request commercial auto terms.
We explain the fleet to the market
We prepare the fleet submission using your delivery radius and cargo, with driver arrangements and parking details included. When routes change, we help identify the insurance questions raised by the new work.
We compare the auto quote in detail
Our comparison shows liability limits and the vehicles covered, alongside collision and comprehensive deductibles. We flag how hired transport is treated and which contracted-haul responsibilities need separate cover.
What we work through with you
- Vehicle schedule and ownership or leasing arrangements
- Driver roster, business use, and normal operating radius
- Shipper agreements and hired or subcontracted transport
- Current auto forms and available loss runs
General liability
General liability can cover third-party injury or property-damage claims arising from operations or products. We seek terms for your premises and product activities, checking the exclusions that affect handling and delivery.
We describe the warehouse and products
We include warehouse visitor activity and the products you supply in the liability submission. Importing, repackaging, or installation work receives its own description so the market sees more than a distribution label.
We review insurance requirements
We read the additional-insured requests in leases and vendor agreements and compare them with proposed endorsements. If the requested wording is missing, we raise it in the market follow-up.
We explain the relevant exclusions
Care, custody, or control exclusions can matter when you handle customer goods. We explain those restrictions along with auto exclusions and the limits on replacing your own defective product.
What we work through with you
- Description of products sold and any importing or repackaging
- Warehouse leases and customer insurance requirements
- General liability forms and additional-insured endorsements
- Details of handling, installation, or other work beyond delivery
We check the complete policy.
We read the forms and endorsements behind the quote, then compare them with your contracts and current cover. These are the documents we use to explain what an option includes and where its limits matter.
- Declarations and schedules identifying property, locations, and vehicles
- Policy forms, exclusions, and every attached endorsement
- Customer, warehouse, or transportation insurance requirements
- Certificates and the endorsements intended to support them
California Department of Insurance: commercial insurance guide