Transportation Insurance
Specialty business insurance solutions tailored to your unique needs.
Get StartedDrive your business forward with tailored transportation insurance solutions from XINSURANCE.
Every transportation business has unique needs and risks. We will work closely with you to assess your risks and create a customized solution that provides comprehensive protection for your business. Whether you operate a small delivery service or a large logistics company, our solutions will support your growth ambitions and keep your business moving forward.
What is Transportation Insurance from XINSURANCE?
Transportation insurance is a type of coverage that businesses can get to protect their goods while they are being transported from one place to another. It is important for businesses to have transportation insurance because it helps protect them from financial loss if their goods get damaged or lost during transportation. When goods are being moved, there are risks like theft, accidents, or natural disasters that can cause damage or loss. By having transportation insurance, businesses can safeguard themselves against these risks and avoid potential financial and reputational damage. In simple terms, transportation insurance is like a safety net for businesses that rely on moving goods, ensuring that they are protected from potential losses during the transportation process.
XINSURANCE is the top choice for transportation insurance because we specialize in customized insurance solutions for the unique risks faced by businesses in this industry. Unlike cheap insurance policies that may offer initial cost savings but fail to provide adequate protection, XINSURANCE offers comprehensive and reliable coverage solutions. With flexible underwriting, support during claims, and a commitment to being a true partner, XINSURANCE provides true peace of mind and comprehensive protection for transportation businesses.
Types of Business We Can Help
- Shipping Companies
- Freight Carriers
- Logistics Providers
- Livery Companies
- On-Demand Deliveries
- Last Mile & Middle Mile Delivery Companies
- And More!
Coverages
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Hired & Non-Owned Auto*
Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.
*Available in most states
Physical Damage
Physical damage coverage typically offers 3 options for coverage in the event of an accident or unforeseen circumstance: comprehensive, specified cause of loss, and collision. Comprehensive coverage applies to damage caused by events other than the vehicle colliding with an object, such as theft, fire, or vandalism. It works alongside collision coverage, which protects against direct collisions with objects. Specified perils is limited to fire, lightning, explosion, theft, or vandalism.
Uninsured and Underinsured Motorists (UM/UIM)
Protects the insured party if they are involved in an accident with a driver who either has no insurance (uninsured) or does not have enough insurance to cover the damages (underinsured).
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Trailer Interchange
Provides coverage for physical damage to trailers that are not owned by the insured party but are in their care, custody, or control under a written trailer interchange agreement.
Motor Truck Cargo
Covers physical damage while transporting goods.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Professional Liability
Coverage for claims regarding negligent acts, mistakes, failed services, and more. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Pollution Clean-Up
Covers the costs associated with pollution clean-up caused by your business.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQ About Transportation Insurance
What's the difference between commercial auto insurance and transportation insurance?
Transportation insurance is a broader term related to the transportation of goods and passengers and can include coverage for different modes of transportation such as trucks, ships, trains, and airplanes. Transportation insurance provides the primary or ancillary coverage needed for the logistics and movement of goods or people. Whereas commercial auto specifically focuses on vehicles used for business purposes, covering cars, trucks, vans, fleets, etc.
Do you provide last mile delivery insurance?
Yes, we can provide last mile delivery insurance solutions for businesses and contractors. This type of coverage helps mitigate potential liabilities associated with accidents, property damage, cargo loss or damage, and bodily injury claims that may arise during the delivery process.
Businesses or individuals involved in last mile delivery services, including e-commerce retailers, courier services, food delivery providers, and independent delivery contractors, need specialized insurance protection to avoid potential financial losses and legal claims that can result from accidents or incidents that occur during the last mile delivery process.
What coverage do I need for my transportation insurance policy?
The type of insurance coverage needed for the transportation industry will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverages you want to have on your insurance policy.
That said, our transportation insurance solutions typically include commercial auto liability, cargo and physical damage, hired and non-owned auto, and more.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t. We can also help new businesses and those with a claims history.
Why should I have transportation insurance?
You need transportation insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.
What if I have existing insurance policies for my transportation business?
XINSURANCE offers flexible underwriting and can consolidate your existing policies into one comprehensive plan. We can also fill the gaps and cover exclusions that may be leaving you exposed. Let us review your current insurance policy so we can identify those gaps and exclusions and discuss what needs to be addressed. This ensures comprehensive protection for your business.
Insurance for Delivery Services
XINSURANCE can provide customized insurance solutions for delivery services. These types of delivery services can include courier services, e-commerce delivery services, food delivery services, parcel delivery services, last mile delivery services, same-day or express delivery services, freight delivery services, and more.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Commercial Trucking
We can cover trucks that are used for business purposes, such as long-haul trucks, short-haul trucks, delivery trucks, dump trucks, tow trucks, garbage trucks, auto fleets, and more.
Commercial Auto
We provide specialized custom coverage solutions for any number of commercial auto needs, from commercial trucking, taxi cabs, limousines, buses, medical transport vehicles, and more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
