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Home > Blog > Transportation Business Insurance
WEDNESDAY, MARCH 29, 2023

Transportation Business Insurance

Every industry has its own guidelines for how things operate, including being adequately insured. If you’re in the transportation industry, HIS Insurance & Services can provide the information you need about transportation business insurance. 

What Types of Insurance Do Transportation Businesses Need? 

The type of insurance your transportation business needs depends on the nature of your business, the size of the company and where you operate. Some common types of insurance to consider include the following. 

Cargo Insurance 
When hauling goods, you must ensure you’re covered if anything happens to your cargo. Truck cargo transportation insurance covers your property while in transit on your own vehicles or through public or contract motor, rail or air carriers. This type of insurance will keep your business operating in case of a loss and is necessary for manufacturers, wholesalers, retailers and distributors. a truck is parked on the side of a road

Inland Marine 
Most business types—including transportation—need inland marine insurance, which helps cover products, materials and equipment while transporting them on land, such as by truck or train. This coverage protects a business’s property that is movable or used for transportation or communication purposes. Depending on the specific policy, inland marine insurance will cover events such as theft, fire, wind, hail and water damage. It may even cover missing property and accidental drop and damage of an item in transit or while loading or unloading. 

Commercial Auto Insurance 
Commercial auto insurance is a contract between an insurance company and a business that offers financial protection as outlined in the policy declarations. In exchange for regular premium payments, the insurer covers your company’s legal liability for third-party injuries and property damage up to the policy’s stated limits.  

Additional Transportation Coverages to Consider 

Depending on your business, you may benefit from purchasing additional lines of coverage to protect your business fully, including: 

  • General liability insurance 

  • Commercial property insurance 

  • Business interruption insurance 

  • Workers’ compensation insurance 

  • Ocean marine insurance 

  • Contractors pollution liability insurance 

  • Cyber liability insurance 


How to Get Transportation Insurance 


Contact us today to learn more about the intricacies of transportation business insurance. We can work with you to ensure you have the right insurance for your transportation business.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.  
Posted 12:14 PM

Tags: transportation, insurance, trucking, commercial auto
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2810 Valley Avenue | Winchester, VA 22601
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