Ideal Accounts and Appetite
This program is built for a broad spectrum of transportation clients, including:
- Transportation Brokers
- Freight Forwarders
- Mobile Home Movers
- Car Carriers
- Couriers
- Livestock Haulers
You might have a client who ships perishable goods across multiple states and needs broader spoilage or refrigeration protection, or a livestock hauler that requires specialized livestock coverages. This program is structured to add those enhancements that standard cargo forms may not provide.
Coverage Highlights and Advantages
Key protections available through J.M. Wilson’s Cargo Insurance program include:
- Debris & Pollution Removal with higher separate limits
- Broad Livestock Coverage tailored for animal transit
- Towing and re-load expense coverage
- Traffic & security expense coverage
- $1 million catastrophe limit
Optional Coverages and Endorsements
- Spoilage or freezing coverage for perishables
- Diminishing deductible options
- Non-owned container and trailer interchange
- Owner’s goods extension
- Pollutant cleanup and removal
- Right and duty to defend endorsements
- Excess cargo placement for higher limits
Additional Program Advantages
- No coinsurance penalty
- Expanded refrigeration coverage for temperature-sensitive loads
- Coverage for hired car cargo exposures
- Mitigation payments up to $5,000
- Fire department service charge expense coverage up to $25,000
Underwriting and Market Access
J.M. Wilson places accounts with a panel of admitted and non-admitted carriers, giving you flexibility when standard markets aren’t able to respond. Favorable consideration is given to accounts that demonstrate sound operations, documented risk management, and clear cargo handling procedures. While there is no stated minimum premium, submission quality and operational details will influence placement and pricing.
Territories and Availability
This Cargo Insurance program is currently available in: GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI.
Why Work With J.M. Wilson
With decades of experience as an MGA and E&S broker focused on transportation, J.M. Wilson gives independent agents access to specialty markets and responsive underwriting teams. We help agents place complex cargo risks—from fast-moving couriers and freight brokers to niche haulers—providing practical endorsements and tailored limits to match operational needs. Our team moves quickly on submissions and works with you from quote through bind to close placements efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this Cargo Insurance program?
Ideal accounts include transportation brokers, freight forwarders, car carriers, livestock haulers, couriers, and mobile home movers—especially when standard cargo forms are insufficient or the cargo is higher risk.
Is this program available on an admitted or non-admitted basis?
J.M. Wilson works with both admitted and non-admitted carriers, allowing placement flexibility depending on the state and the risk profile.
What states is this Cargo Insurance program available in?
This program is currently available in GA, IL, IN, KS, KY, MI, MS, MO, OH, PA, SC, TN, WV, and WI.
Need help placing an account? Connect with a market specialist.