Businesses moving goods
The account starts with your role in the chain.
Selling the goods, storing them, and arranging the haul each creates a different set of obligations. Describe every role your business takes on.
Wholesale & distribution
For wholesalers, the review starts with inventory ownership, the premises where it accumulates, and the terms under which it leaves. Delivery performed by your own fleet adds a different layer from shipping arranged through another business.
Put the stock and the sales terms in the same file.
- Peak stock values and temporary or overflow storage
- Products sourced, imported, repackaged, or sold under your name
- Customer agreements and the point where delivery responsibility passes
- Fleet use, contracted deliveries, and returned goods
The core coverage discussion here addresses inland marine, commercial auto, and general liability. Fixed-location property and other exposures should also be identified; these pages are not a complete insurance program.
Read the coverage notesLogistics & trucking
For transport operations, distinguish carrying freight from arranging its movement. Owned vehicles, hired equipment, subcontracted hauls, and customer property each change the questions that belong in the submission.
Make the exceptions to the usual haul visible.
- Vehicle ownership, hiring arrangements, and normal operating radius
- Commodities carried and loads requiring special handling
- Shipper or broker agreements and assumed cargo responsibility
- Stops, overnight parking, loading work, and temporary storage
Do not assume that an auto policy insures the load or that a cargo form satisfies every transport agreement. Review the vehicle, freight, and contractual obligations together.
Read the coverage notes