Transportation & Logistics Insurance for Marine, Aviation, Port, Cargo & Technical Supply Chains
Transportation and logistics accounts are strongest when they are connected to the real movement of goods, contracts, cargo, custody, storage, equipment, and customer obligations. AMA Risk focuses on logistics operations tied to marine, aviation, port, cargo, intermodal, and high-value technical supply chains — not generic trucking quote shopping.
Nine transportation & logistics segments I build programs around
Each has a different contractual environment, a different cargo profile, and a different way coverage tends to fail when it matters.
The full transportation coverage universe
I work through every category below — cargo, warehouse, auto, logistics liability, and specialty — not just the lines on your current binder.
Cargo & Transit
- Ocean Cargo (All-Risk & FPA)
- Inland Marine / Motor Truck Cargo
- Contingent Cargo & Shippers Interest
- Stock Throughput / Processing Risk
- Project Cargo & Heavy Lift
Warehouse & Bailee
- Warehouse Legal Liability
- Warehousekeepers Legal Liability
- Storage-in-Transit / Floaters
- Cross-Dock & Transloading Exposure
- Customer Goods in Care, Custody & Control
Logistics & Forwarder Liability
- Freight Forwarders Liability
- Logistics Liability / E&O
- Contingent Cargo for Brokered Freight
- Customs Bonds & Trade Credit
- Certificate of Insurance Management
Auto & Fleet
- Commercial Auto (Owned Fleet)
- Hired & Non-Owned Auto (HNOA)
- Motor Carriers & MCS-90
- Excess Auto / MCS-90 Alignment
- Trailer Interchange & Detention
Property & Casualty
- Commercial General Liability
- Property (Building, Racking, Equipment)
- Business Interruption / Contingent BI
- Equipment Breakdown (Refrigeration, Conveyors)
- Inland Marine (Equipment Floater)
Specialty & Excess
- Pollution Liability (Sudden & Accidental)
- Cyber Liability & Social Engineering
- Crime / Fidelity / Cargo Theft
- Umbrella / Excess Liability
- Trade Credit & Political Risk
My transportation audit checklist
- 01Cargo theft controls — yards, lots, parking, driver protocols, and recovery procedures
- 02Warehouse security — fencing, lighting, cameras, access control, and visitor management
- 03Temperature monitoring — cold chain alerts, backup power, and spoilage response plans
- 04Contractual limitation of liability — Carmack, bill of lading terms, and customer MSA alignment
- 05Subcontracted carrier vetting — authority, insurance, safety ratings, and certificate tracking
- 06GPS/seal controls — real-time tracking, geofencing, and tamper-evident seal programs
With a generic broker
- 01Cargo limits sized to average load, not peak or seasonal exposure
- 02Warehouse legal liability written without proper bailee form or care, custody & control
- 03No contingent cargo for brokered freight — carrier default leaves broker exposed
- 04Hired/non-owned auto missing on field service, last-mile, or white-glove delivery
- 05MTC excluded for refrigerated, high-theft, or hazardous commodities
- 06E&O excludes cargo claims tied to carrier selection or customs documentation errors
Where transportation and logistics programs usually break
Patterns I see across fleets, freight, warehousing, last-mile, brokered freight, and specialty logistics operators.
- Commercial auto liability and excess auto attachment
- Driver qualification, fleet controls, radius, commodities, and loss history
- Motor truck cargo limits, exclusions, and unattended vehicle conditions
- Refrigerated cargo, spoilage, delay, and temperature-control issues
- Brokered freight, subcontracted carriers, and contingent cargo liability
- Warehouse legal liability and property of others
- Trailer interchange, hired / non-owned auto, and leased equipment
- MCS-90 and filings where applicable
- Social engineering, cargo theft, cyber, and funds-transfer issues
- Customer contracts, indemnity, and certificate wording
The issue is not only the truck.
The account has to be positioned around what is being moved, who controls it, where it is stored, which contracts apply, how subcontractors are used, and how liability moves between shipper, broker, carrier, warehouse, and customer.
Bryce Lockerson · AMA Risk
Specialty Broker at Cothrom Risk & Insurance Services · U.S. Navy Veteran · ADCI Member · Based in Fort Lauderdale, FL.
Transportation contracts, indemnity provisions, cargo obligations, filings, and regulatory issues should be reviewed with qualified counsel or qualified transportation advisors where appropriate. AMA Risk reviews these issues from an insurance-program perspective. Insurance services are provided through Cothrom Risk & Insurance Services, subject to applicable licensing, appointment, underwriting, and carrier requirements.
Request a Transportation Program Review
Send your current program, renewal date, and top concern. I'll review the structure, identify what may need attention, and tell you what else is needed for a deeper program review.
Request a Transportation Program Review