Freight Broker Insurance Solutions

Safeguard your brokerage with insurance built specifically for freight brokers

Freight brokers play a critical role in today’s supply chain, matching shippers with qualified carriers and keeping cargo moving on time and on budget. Even though brokers never take possession of the freight, they still have customer obligations to manage delivery to destination and can be held financially responsible if things go wrong.

Risk Strategies designs freight broker insurance programs that can reduce liability, close coverage gaps, and reinforce your value as a reliable logistics partner.

Why freight brokers need a tailored insurance program

Brokers act as more than matchmakers—they’re responsible for managing transportation of cargo from origin to destination. Without the right protection, you could be left exposed to:

• Cargo loss or damage when a carrier’s policy fails to respond.
• Bodily injury or property damage claims resulting from an automobile accident involving a motor carrier.
• Contractual obligations when failing to perform professional services.
• Errors & omissions in vetting, documentation, or communication.

If your business also provides forwarding services, our freight forwarder insurance solutions can complement your broker program—ensuring both sides of your operation are fully covered.

Freight broker insurance coverage options

We tailor policies to fit your brokerage operation, insure customer contracts, meet shipper requirements, and growth strategy. Key coverage includes:

Contingent cargo

Protects your brokerage if a carrier’s insurer denies or delays a cargo claim, ensuring your clients aren’t left uncovered.

Freight broker liability & contingent auto liability

Covers bodily injury or property damage claims involving motor carriers where your brokerage is named, safeguarding finances and reputation.

Professional liability (E&O)

Shields against negligence or service errors, helping cover legal costs if clients allege mistakes or contract issues.

Shipper’s interest cargo insurance

“All-risk” protection for client cargo, covering damage or loss directly and adding value to your brokerage services.

Broad business coverage

Comprehensive solutions beyond transport risks, including general liability, cyber, employment practices, property, and surety bonds.

Common freight broker claims scenarios

• Cargo damage where the carrier’s policy fails to respond
• Auto accidents involving a motor carrier
• Litigation for failure to provide freight brokerage services
• Disputes over contractual responsibilities

Why choose Risk Strategies

• Solutions designed for independent operators and large brokerages alike
• Logistics experience from seasoned insurance professionals serving freight brokers nationwide
• Direct access to top-rated insurance carriers with competitive terms
• Claims advocacy to help minimize financial impact and client disruption
• A recognized partner to brokers of all sizes
• A team aligned with transportation associations (TIA, NITL)

How we work with you

• Risk assessment: We start with a thorough review of your carrier agreements, contracts, and operations to uncover exposures that could leave your brokerage vulnerable.

• Program design: Our specialists build a tailored insurance program, pairing your business with best-fit carriers that deliver competitive terms and industry-specific protection.

• Implementation: We handle the details, aligning your coverage with shipper contracts and regulatory requirements so you can operate with confidence and compliance.

• Claims advocacy: If a claim arises, our advocacy team stands with you — helping minimize financial impact, speed resolution, and protect your client relationships.

Ready to protect your freight brokering business?

Request a custom risk assessment and receive a tailored quote designed for your freight brokerage.