Trucking Insurance and Risk Solutions 

Trucking Liability Insurance and Risk Strategies for a Critical Ecosystem 

Supporting the global supply chain is supporting world commerce. The North American trucking industry is a critical component of that ecosystem — one NFP supports through risk management strategies designed to measure and control total cost of risk, not just premium. 

We offer a broad range of insurance solutions for the trucking industry, from conventional insurance policies to alternative risk strategies, including captive programs, for both common and private carriers. 

Why Choose NFP?

Dedicated Trucking and Logistics Insurance Specialists

Every trucking insurance program is as unique as the operation it is designed to insure. Wherever your operation is located — or the nature of your business — NFP brings a dedicated team of transportation specialists focused exclusively on trucking and logistics clients.

Our team understands how time-sensitive and dynamic fleet operations are, from tight delivery timelines to regulatory pressures and rising claims severity. We provide practical, real-world solutions supported by:

• Proactive, responsive service.
• Clear communication throughout renewals and claims.
• Program strategies aligned to operational realities.

We act as a long-term risk partner — helping you navigate market complexity, improve claims performance and make informed decisions that support resilience and sustainable growth.

NFP’s Trucking Insurance and Risk Solutions Capabilities

NFP provides insurance solutions for trucking operations across every area of the business:

• Automobile commercial liability and physical damage coverage
• Cargo, warehouseman’s legal liability, contingent cargo and excess cargo policies
• Commercial general liability, boiler/machinery and property insurance
• Workers' compensation, disability and retirement programs

Designing Trucking Liability Insurance Around Total Cost of Risk

At NFP, we evaluate total cost of risk — not just premium — to determine the most effective insurance structure for your business.

Key considerations include:

• Insurance premiums.
• Deductibles or self-insured retentions.
• Out-of-pocket loss costs.

By taking this broader view, we help clients align program design with risk tolerance, loss experience and financial objectives.

The lowest premium or smallest deductible does not always result in the lowest total cost of risk. Over time, alternative structures can deliver greater efficiency and financial stability. 

Flexible Trucking Insurance Program Structures for Your Fleet Operation

We support a range of program structures depending on your size, complexity and goals:

Understanding the Scope of the Trucking and Logistics Industry

The trucking sector includes inbound and outbound transportation management, fleet operations, warehousing, materials handling, order fulfillment, logistics network design, inventory management, supply and demand planning, third-party logistics management and other support services.

Logistics services are involved at all levels in the planning and execution of the movement of goods. Trucking companies may operate independently or through freight carriers or shipping agents, with many operating as single owner-operators leasing to carriers or running under their own authority.

Trucking Insurance to Protect Cargo and Logistics Operations

Insuring the Cargo

Cargo insurance covers property in transit — whether by truck, rail, air or sea. It’s critical that policies are structured to reflect the specific goods transported and the full range of potential exposures.

Warehouse Exposure

Companies with storage or warehousing operations require warehouse legal liability coverage. These exposures mirror those of a common carrier, with policies designed to cover loss or damage to third-party property in the insured’s care, custody or control.

Contingent Cargo and Contingent Auto

Contingent cargo policies protect against gaps when a third-party carrier’s primary coverage does not respond. These policies provide an additional layer of protection for logistics providers and trucking operations relying on subcontracted carriers.

Transportation and Trucking Industries Served

• Trucking operations from long-haul to last-mile carriers
• Freight forwarders, load brokers and third-party logisitics
• Courier and package delivery services
• Household moving companies
• Air freight services
• Marine and intermodal operators
• Tow truck operations
• Public and municipal transport operators
• Warehouse, pick and pack, and bulk break operations