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Who needs Transportation & Warehousing insurance?
If you work in any of the following sectors, you'll need Transportation and Warehousing Insurance to protect your small business:
Commercial Auto insurance will protect your transportation business if you have a fleet of vechicles and your drivers get into a road accident.
Example... Your driver, on the way to a job, collides with another vehicle, damaging both cars. Commercial Auto will cover the costs of repairs and legal costs if a claim is made against you.
General Liability Insurance covers transport and warehousing risks like customer property damage and injury. It also helps you qualify for leases and contracts.
Example... A delivery man slips and fall in your warehouse, suing you for the injury. General Liability insurance covers the costs of their medical bills and your legal defense costs.
Workers' Compensation covers medical costs and wages for employees inuured while working, including driving to and from a job. It's mandatory to have this insurance in many states.
Example... An employee slips while unloading cargo fro the truck and sustains a serious leg injury. Workers Comp covers their medical costs and lost wages while they're out of work.
Business Owners Policy (BOP) combines General Laiblity and Property Insurance at a lower cost. BOP is best for transport and warehousing businesses that want to cover their property ad liability.
Example... While transporting perishable goods, traffic delays and hot weather cause them to perish in your truck. BOP covers their replacement and any legal costs if a claim is made against you.
Want to know more about your specific service?
What insurance do I need for my warehouse?
A General Liability Insurance coverage should be purchased for a warehouse. This type of coverage covers a wide range of losses and damages, including bodily injuries to third parties, copyright breaches, and the expenses of defending against claims.
What is a transportation insurance policy?
Transportation insurance is a policy that protects the insured's belongings while they are being transported from one location to another by whatever means required.
What is warehouse legal liability?
Warehouse Legal Liability insurance essentially cover an insured's legal liability as a warehouseman or bailee for physical loss or damage to the assured's customers' property at defined locations, subject to specified limitations.
What does warehouse keepers liability insurance cover?
This specific form of insurance, often known as "warehousemen's legal liability insurance" or "warehouse operators legal liability insurance," protects against inventory loss or damage caused by facility maintenance difficulties or gross negligence on the part of personnel.