Transportation & Logistics

You keep freight moving, we keep you covered

Why transportation and logistics businesses 
need the right protection

End-to-end coverage for your freight

Your freight is valuable. We help protect it from pickup to delivery against damage, loss, and theft. Cover spills, spoilage, and delivery delays, and make sure high-value, perishable, or specialized loads are properly insured.

Protect your fleet and drivers

Your vehicles and drivers keep your business moving. Insure trucks, trailers, and interchanged equipment — owned or non-owned. Guard against accidents, breakdowns, and liability claims.

Stay compliant and covered

Regulations can be complex, but we make them simple. Meet insurance requirements for motor carriers, freight brokers, and forwarders, and get the right cargo, liability, and specialty coverage for your operation.

Safeguard your bottom line

Keep your business on track, even when the unexpected happens. Protect your assets and income from lawsuits, accidents, and disruptions — and minimize business interruption to keep supply chains running smoothly.

Logistics protection from warehouse to final mile

Motor Truck Cargo Insurance
Pays out if freight is lost, damaged, or stolen in your care. Covers the cost of removal and protects you from liability.
Covers repair or replacement costs for trucks and trailers damaged in accidents, fire, vandalism, or severe weather.

Covers liability for the transport of hazardous materials. Includes higher coverage limits for spills, leaks,, and contamination, as well as pollution cleanup costs.

Covers liability for delayed, damaged, or lost shipments. Also protects against errors and omissions, like incorrect carrier selection.

Covers customers’ goods against theft, damage, and disasters while in your care. This is essential protection that general liability won’t provide.

If your truck is involved in a crash, this covers bodily injury and property damage. It’s a legal requirement in most states — and a business necessity.

Standard cargo insurance won’t cover spoilage — this will. Protects perishable freight and lost income from refrigerated unit failures.
If you’re using a trailer you don’t own (such as a rental, lease, or interchange agreement) this covers damage that happens on your watch. Because accidents don’t care whose name is on the title.

When a carrier’s coverage falls short, shipper’s interest insurance steps in. Chosen by shippers for high-value or specialty freight, it fills the gaps where standard carrier coverage doesn’t apply.

Provides coverage when a primary carrier’s insurance isn’t enough. Often used by brokers, it protects against losses, damage, or theft if the carrier’s policy falls short.

Running a trucking company? See our Specialized trucking insurance coverage.

Beyond the policy:

Full logistics protection

Insurance is just one part of risk management. We help prevent losses before they happen and get you back in business fast when they do.

Risk Assessment Services

Loss prevention & fleet safety

Reduce theft, spoilage, and accidents with proactive strategies.

DOT compliance assistance & contract reviews

Ensure compliance and meet shipper/broker requirements.

Contract & certificate reviews

Ensure your insurance meets shipper and broker requirements before you sign.

Hazmat & high-value cargo risk analysis

Get the right coverage for regulated, perishable, or specialty freight.

Claims Management Support

Fast, expert claims handling

Minimize downtime with smooth claims processing.

Cargo claims & recovery assistance

Support for filing claims and recovering losses from at-fault parties.

Dedicated claims advocates

Get fair payouts and faster resolutions.

Claims documentation & reporting assistance

Streamline paperwork so you can focus on operations.

Insurance for every supply chain business

Warehousing & Distribution Centers
Your facilities store and manage inventory — keep it protected. Property coverage, warehouse legal liability, and business interruption insurance keep your operation running.
Seamless coverage across ports, rail, and trucking. Trailer interchange, chassis liability, and cargo insurance tailored to multi-modal logistics.
You manage logistics across multiple partners and platforms. Protect your operations, contracts, and liabilities with solutions built for complexity.

You move the goods — we’ll help you manage the risks. Get protection for delayed shipments, errors and omissions, and contingent cargo liability.

Frequent stops, high volumes, and tight schedules create risks. We offer coverage for auto liability, package theft, and warehouse-related exposures.

Don’t see your operation?
We serve all industries — just reach out and tell us what you need.

[They] took action immediately, knowing that any delay in obtaining… interstate insurance would cost us dearly because of the… opportunities we would miss...I cannot give enough praise to Gold River Insurance...
Yvonne Pikwrah
Unique Transport Logistics LLC

FAQs

Smart questions about insurance for transportation and logistics:

What's the difference between freight broker liability and cargo insurance?
Cargo insurance covers freight on the truck. Freight broker liability protects against claims for errors, delays, or mismanagement.
Consider the highest-value shipment you move at one time. At least $100K is common, but it depends on your commodities.
No, standard cargo insurance excludes refrigeration failures. You’ll need a reefer breakdown endorsement.
Yes. The agreement doesn’t provide liability protection, it just sets the terms. You need a trailer interchange policy to cover damage.
Not always. Many policies exclude “unattended truck” losses. Make sure you have proper coverage.
Yes. General liability won’t cover customer inventory losses, while warehouse legal liability does.

Get the right transportation & logistics insurance coverage today

Gold River is more than an insurance broker. We’re your risk management partner. With market leverage for better rates, industry expertise to guide compliance, and real support when it matters, we help you protect your business so you can focus on moving freight.