Freight Broker Insurance Products 

What You Need. When You Need It.

When it comes to protecting your business, few insurers offer all of the different lines of insurance that a domestic freight broker and/or freight forwarder needs. We are here to offer you intelligent insurance solutions on every front.

Competitive Pricing

Underwritten by top-rated insurance carriers, who offer affordable premiums.

Freight brokers meeting certain underwriting standards and following suggested risk management strategies may qualify for additional discounts. You not only get the right coverage, you can secure more competitive rates.

Industry Monitoring

Transportation is a fast-changing industry and part of an environment that is subject to important government legislation, policies, and procedures. By monitoring the industry and transportation regulations, we take the guesswork out of how your insurance policies should change to stay current and are responsive to your needs to help you obtain full coverage.*

Lines of Coverage

We offer the coverage you need to manage your business without worrying about whether you are protected from the many risks that come with operating as a freight broker. Available products include the following specialty lines of coverage:

Freight Broker Contingent Cargo Coverage – Legal Form

This coverage provides protection against additional financial liabilities beyond those associated with cargo. These could include pollution cleanup or associated fines, libel and slander, fraud committed by employees, infringement of another company’s intellectual property rights or fines issued for breaking the laws or regulations governing the movement of freight.

This coverage may offer full protection against the legal liability a domestic freight broker may be exposed to during regular business. Included is a provision called “duty to defend”. This defense provision may be a critical factor as the policy deductible may not apply to this cost. All attorney costs are paid. Working in conjunction with the most knowledgeable legal teams across the country, the coverage will ensure that you receive specialized defense support from attorneys who are focused on representing domestic freight brokers.

Freight Broker Contingent Cargo Coverage – Broad Form

Broad Form Contingent Cargo Insurance is coverage that is required when a freight broker assumes responsibility for lost cargo or damages that the motor carrier has not paid. When a freight broker enters into a freight contract, the contract should be carefully reviewed to establish whether the freight broker is assuming liability under D.O.T. Domestic Freight Broker authority.* These contracts may contain indemnity clauses that could cause you to be responsible for a cargo claim should the trucker fail to pay that claim. Coverage under this insurance is available for FTL (Full Truck Load) shipments under most circumstances. However, it should be pointed out that some types of high-risk cargo — such as alcohol, tobacco, expensive electronics, cell phones, copper and other non-ferrous metals — require a broader form of cargo coverage in conjunction with a strategic risk-management program designed to reduce theft. We will assist you to assess the particular situation to ensure you have the right coverage in place.

Freight Broker Auto Liability Coverage

Sometimes called Contingent Auto Liability insurance or Freight Broker Auto Liability Coverage, this coverage may provide defense costs from first dollar plus any judgment levied when a freight broker is named as one of the defendants in a lawsuit related to bodily injury or fatality claims when motor carriers they contract with are involved in accidents and third parties are injured or killed.

Unlike other forms of insurance that typically have an “annual aggregate limit”, the primary freight broker Auto Liability policies we offer may cover up to $1 million per each occurrence.

The added value of the auto liability policies we offer is in the strength of access to a national network of skilled and experienced lawyers specializing in defending freight brokers. If the need arises, the insurer will provide you with a skilled and experienced team of lawyers to defend against a lawsuit.

General Liability

Coverage includes a General Liability policy that is intended to respond to the financial risk that can be assumed for third party bodily injury claims occurring on your premises.

Errors & Omissions Insurance

Errors & Omissions responds to the legal liability for financial loss (not limited to the value of the cargo) incurred by a freight broker’s client caused by the freight broker’s negligence, error or omission in the normal course of providing domestic freight broker services. First dollar defense may be provided under this line of coverage as well.

Freight Broker Excess Auto Liability Coverage

Excess Auto Liability coverage is offered to complement the primary freight broker auto liability policy. The insurers we partner with offer additional coverage of up to $25,000,000.

All Risk Domestic Shipper’s Interest Cargo Coverage

Moving freight with LTL (Less Truck Load) Motor Carriers necessitates a broader form of Shipper’s Interest coverage than what is typically provided. We can assist you with setting up a Shipper’s Interest cargo program in which insurance coverage is purchased on a per-shipment basis so that costs for the coverage can be passed on to owners of the cargo for those who desire full replacement value coverage. We offer a web-based insurance platform that allows shipper’s interest cargo coverage to be secured instantly.

We can also help you secure cargo coverage for high-risk cargo, provided that adequate security is in place during the movement of the freight. Freight brokers who move higher risk cargo will not typically qualify for a Contingent Cargo Broad Form insurance policy, but instead need a primary cargo program in which adequate security must be present while moving freight.

Ask us about Workers Compensation Insurance for your employees!

Call us today at 800-595-2615 for a complete review of your insurance needs and assistance with securing coverage.

*PFA Transportation Insurance & Surety Services is not a law firm and cannot give legal advice.

What You Need. When You Need It.

BMC-84 / BMC-85

(Required for Freight Broker Authority)

We have several pricing and payment options for BMC-84 Surety Bonds and BMC-85 Trust Agreements since 1998. We keep track of every claim from start to finish by constantly processing the required paperwork and communication until it is closed.


Get the right coverage and secure the most competitive rates. When it comes to protecting your business, few insurers offer all of the different lines of insurance that a domestic freight broker and/or freight forwarder needs. We are here to offer you intelligent insurance solutions on every front.



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