Brookhurst Insurance provides commercial auto insurance to all types of businesses across California and the United States. We are located in Encino, California and are available to serve all of your business’s general liability needs.

Compared to freight forwarders, who have statutory freight claims liability under Carmack, freight brokers only need contingent cargo insurance coverage. Since brokers are not carriers, they’re not liable or accountable in the event of theft, loss, or damage to the cargo. That is unless the shipper has a contract with the broker explicitly showing that the latter has accepted such liability.

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Freight Broker Insurance

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As a freight broker, your work involves arranging for transportation with a carrier, either on their behalf or on behalf of the shipper. Although you’re not statutorily liable for the damage or loss of cargo, you should obtain contingent cargo insurance to protect yourself. In some cases, your policy may be used to fulfill a carrier’s obligation if the carrier invalidates an otherwise valid claim, or if the carrier chooses to ignore it.

Generally, your contingent cargo insurance only applies if the carrier’s insurance policy is defunct, or if the claim is found to be due to your negligence. It is important that you protect yourself adequately with the right contingent cargo insurance policy. Brookhurst Insurance can help you find and qualify for the insurance cover that you need to continue providing your services with peace of mind.

Other Insurance Policies for Freight Forwarders

We realize that the success of your business as a Freight Broker depends on your ability to link shippers to authorized carriers who can deliver the most efficient and effective transportation of the cargo. Brookhurst Insurance can help you build customer confidence in your ability to make the deliveries by connecting you with the right insurance products and providers as part of your risk management strategy.

Some of the insurance products that freight brokers may need include:

  • Contingent auto liability / freight broker auto liability
  • Comprehensive contingent cargo
  • Contingent cargo - legal defense coverage
  • Excess auto liability coverage
  • All risk domestic shipper’s interest cargo coverage
  • Errors and omissions
  • Business owner’s policy
  • General liability
  • Workers’ compensation
  • FMCSA property broker bond

Keep in mind that you do not necessarily need all these options. They depend on the nature of your business, and your risk in any particular contract with other parties - shipper and carrier.

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Get in Touch with Brookhurst Today

Brookhurst Insurance brokers will help you identify the right coverage for your business. In addition to having access to leading transport insurers across the country, our professional brokers will also go through the policy wording to ensure that your business is fully protected. Please contact Brookhurst insurance agents online or call 818.465.7860 to discuss your specific needs and freight broker insurance requirements.