Transportation
Transportation and delivery businesses operate in fast-moving, high-pressure environments where every vehicle, route, and schedule carries financial exposure. Whether you run a local delivery service, same-day courier operation, or a regional trucking fleet, Shield Point builds insurance programs that keep your vehicles, drivers, cargo, and business moving safely and efficiently.
Transportation operations face a unique blend of risks: accidents on the road, cargo damage, breakdowns, driver injuries, vehicle theft, time-sensitive shipments, and claims tied to customer contracts. Our role is to design a coverage package that protects your business from these day-to-day losses while satisfying customer requirements and keeping your fleet prepared for any route.
Core Transportation Coverages
- Auto Liability – protects your business if a company vehicle causes injury or property damage.
- Physical Damage – covers collision, fire, theft, vandalism, and weather damage to your vehicles.
- Motor Truck Cargo (Cargo Coverage) – protects the goods or freight you are hauling from theft, collision, or handling loss.
- General Liability – covers non-auto-related liabilities, including operations at terminals, warehouses, or customer locations.
- Hired & Non-Owned Auto – protection when using rented vehicles or when employees use their personal vehicles for work.
- Trailer Interchange Coverage – covers damage to non-owned trailers under a trailer interchange agreement.
Operational & Property Protections
- Commercial Property Coverage – buildings, offices, dispatch centers, loading areas, and storage yards.
- Business Interruption – provides income protection if operations are halted due to a covered loss.
- Equipment Coverage – for lift gates, pallet jacks, refrigeration units, GPS systems, and in-vehicle technology.
- Warehouse Legal Liability (if applicable) – for businesses offering temporary storage or cross-docking services.
Workforce & Liability Protections
- Workers’ Compensation – covers medical and wage benefits for injured employees, including drivers, loaders, and dispatchers.
- Employment Practices Liability – protects against claims such as wrongful termination or discrimination.
- Umbrella / Excess Liability – additional limits required by many commercial clients or contracts.
Our transportation team understands that your business must keep its fleet moving. We deliver responsive support, accurate certificates, and tailored programs designed to handle daily on-the-road challenges — from cargo exposures and customer contracts to maintaining the right insurance limits for your operation.