Overview — Amwins National Transportation Underwriters
The industry specialists at Amwins National Transportation Underwriters (part of Amwins Underwriting) offer a tailored Freight Brokers' Liability & Contingent Cargo program designed for brokers who need contingent protection when their contracted motor carriers are unable to respond. This program combines freight broker auto liability with contingent auto and contingent cargo, plus professional and general liability options to create a broad solution for broker exposures.
Available Coverage
- Freight broker auto liability (no annual aggregate; provides defense outside the limits because it covers the insured's legal liability)
- Contingent auto liability
- Contingent cargo
- Professional liability (E&O)
- General liability (GL)
Policy Limits
Freight Brokers
Up to $5,000,000 — Freight Broker Auto, GL
Up to $1,000,000 — Professional (E&O)
Up to $500,000 — Contingent Cargo
Long-term Trailer Leasing
$1,000,000 — Contingent Auto
$100,000 — Off-Lease Physical Damage
Ideal Accounts and Appetite
This program is a strong fit for freight brokers, third-party logistics providers (3PLs), and broker-dealers who:
- Contract with small to mid-size carriers without maintaining large insurer controls on every motor carrier
- Need contingent coverage when a contracted trucker’s insurance is insufficient, unavailable or delayed
- Require combined protection for broker auto liability, contingent cargo, and professional liability
Accounts that typically fit: established freight brokers with formal carrier vetting processes, 3PLs arranging freight across multiple modes, and entities that lease trailers long-term and need off-lease physical damage coverage.
Coverage Highlights & Advantages
- Comprehensive product suite that combines freight broker auto liability with contingent auto and cargo—reducing coverage gaps when a carrier’s policy fails to respond.
- Freight broker auto liability written to provide defense outside the limits, supporting the insured’s legal defense costs when appropriate.
- National availability and underwriting that understands transportation-specific exposures.
- Flexible limits to accommodate a range of broker sizes and risk profiles.
Underwriting Notes
Amwins focuses on transportation expertise and underwriting discipline. Typical submission requirements include:
- Completed application and current loss runs
- Carrier vetting procedures, broker-carrier contracts, and examples of freight movements
- Details on any trailer leasing arrangements if seeking off-lease physical damage or contingent auto for leased equipment
If you have unique structures or large account limits, discuss specifics with the underwriter since capabilities and binding authority vary by state.
Territories & Admitted Status
Availability: National. Amwins National Transportation Underwriters' capabilities and authority vary by state—see state-specific details and underwriter contacts using the resources below.
Program availability includes the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Note: This program is non-admitted in the states listed where admitted markets are not available; state-specific authority and market access can be reviewed on Amwins' capability map.
Why Place This Business With Amwins
- Specialized transportation underwriting and experience placing complex broker and contingent exposures.
- Product structured to protect brokers from gaps that arise when a contracted motor carrier cannot meet a claim.
- Competitive capacity and flexible limits for freight broker auto, contingent cargo, E&O and GL—all in one program.
Quick Examples
You might have a client who is a mid-sized freight broker moving high-value retail freight across multiple states and needs contingent cargo protection in case a contracted carrier’s cargo limit is exhausted. Or a broker that leases trailers long-term and requires contingent auto and off-lease physical damage coverage for those assets. Both scenarios align well with this program.
Amwins National Transportation Underwriters aims to combine market access with transportation expertise to give brokers a practical, single-source solution for contingent exposures. Click here to learn more about our program!
Amwins National Transportation Underwriters' capabilities and authority vary by state. Click here to view an interactive map with state-specific underwriter contact information, binding authority and program markets, and coverages.
Frequently Asked Questions
What types of freight broker accounts are the best fit for this program?
Mid-size to larger freight brokers and 3PLs that regularly contract with third-party motor carriers, have formal carrier vetting processes, and need contingent coverage for auto liability and cargo gaps are the best fit.
Does this program include professional liability (E&O)?
Yes. The program can include professional (E&O) coverage with limits up to $1,000,000 as part of the broader package.
How does contingent cargo coverage work under this program?
Contingent cargo provides protection for the broker when a contracted carrier’s cargo policy is unavailable or exhausted. Limits for contingent cargo are available up to $500,000 under this program.
Need help placing an account? Connect with a market specialist.