Trucking & Logistics Insurance

Keep Your Freight Moving and Your Business Protected

From long-haul trucking to last-mile delivery, transportation businesses face nonstop risk—accidents, breakdowns, theft, cargo damage, and regulatory issues. Heffernan Insurance Brokers delivers comprehensive Trucking & Logistics Insurance to help protect your fleet, your drivers, and your cargo—so you can keep your business running smoothly.

Whether you’re a fleet manager, freight forwarder, or independent owner-operator, we offer tailored coverage for every link in the logistics chain.

What Is Trucking & Logistics Insurance?

Trucking and logistics insurance is a specialized commercial policy package designed to protect transportation businesses from the financial impact of vehicle accidents, cargo loss, regulatory penalties, and other operational risks.

Heffernan provides flexible insurance programs for:

• Long-haul and local trucking companies
• Freight haulers and logistics providers
• Last-mile delivery operations
• Intermodal and specialized carriers

With access to top-rated carriers, we customize coverage for your business type, vehicle mix, and cargo profile.

Why Trucking & Logistics Businesses Need Specialized Coverage

Trucking is one of the most regulated and exposed industries in the country. Without proper insurance, a single crash, cargo issue, or breakdown can derail your business.

Common risks include:

• Collisions or vehicle damage
• Cargo theft, spoilage, or loss
• Mechanical breakdowns en route
• FMCSA and DOT compliance violations
• Liability for third-party injuries or property damage
• Environmental spills from transported materials
• Operational delays due to weather or equipment failure

Specialized coverage ensures you meet legal requirements while minimizing business disruption and financial loss.

What Does Trucking & Logistics Insurance Cover?

Heffernan offers a broad portfolio of coverages tailored to the transportation and logistics industry.

Commercial Auto & Trucking Insurance

• Covers trucks, trailers, and fleet vehicles used for hauling goods
• Includes liability, physical damage, and collision protection
• Options for bobtail, non-trucking liability, and hired/non-owned vehicles

Cargo Insurance

• Protects freight in transit from damage, theft, spoilage, or loss
• Ideal for temperature-sensitive, high-value, or regulated cargo

Fleet Insurance

• Simplified management for businesses with multiple trucks or drivers
• Scalable policies with flexible deductibles and limits

General Liability Insurance

• Covers bodily injury or property damage not involving a vehicle
• Includes incidents at loading docks, terminals, or client sites

Workers’ Compensation

• Covers injuries to drivers, warehouse workers, and logistics staff
• Required in most states for businesses with employees

Environmental Liability Insurance

• Covers pollution events, spills, or chemical leaks during transport
• Required for hazardous material haulers

Contingent Liability Insurance

• Fills the gap when third-party carriers are involved in claims
• Essential for brokers and freight forwarders

Truck Breakdown Insurance

• Covers towing, repairs, and temporary vehicle replacement
• Helps reduce downtime from mid-route breakdowns

Who Needs Trucking & Logistics Insurance?

Our clients span the full spectrum of freight and delivery services, including:

• Long-haul motor carriers and regional fleets
• Independent truck owner-operators
• Freight haulers and freight forwarders
• Last-mile couriers and e-commerce delivery services
• Food and beverage distributors with refrigeration needs
• Third-party logistics (3PL) providers
• Hazmat, intermodal, and specialized carriers
• Warehousing and distribution companies

If your business moves goods from point A to point B, we’ll help you protect the journey.

How Much Does Trucking & Logistics Insurance Cost?

Premiums vary widely depending on your operation:

• Type of transport (long-haul, short-haul, local delivery)
• Size of your fleet or number of units
• Types of cargo (general freight, hazardous materials, perishables)
• Geographic service area and state-specific regulations
• Claims history and driver records
• Coverage limits and deductible choices

Heffernan works with you to evaluate your risk profile and create a coverage plan that balances protection with affordability.