Ideal Accounts and Appetite
This program is tailored for a wide range of transportation clients, including:
- Transportation Brokers
- Freight Forwarders
- Mobile Home Movers
- Car Carriers
- Couriers
- Livestock Haulers
You might have a client who regularly transports perishable goods or livestock across multiple states and needs broader coverage enhancements not found in standard policies. This program is designed to help you meet those needs efficiently.
Coverage Highlights and Advantages
Our Cargo Insurance program offers a robust set of protection features to help your clients manage the risks associated with transporting goods:
- Debris & Pollution Removal with higher separate limits
- Broad Livestock Coverage
- Towing and Re-load Expense Coverage
- Traffic & Security Expense Coverage
- $1 million Catastrophe Limit
Optional Coverages and Endorsements
- Spoilage or Freezing
- Diminishing Deductible
- Non-Owned Container and Trailer Interchange
- Owner's Goods Extension
- Pollutant Clean Up and Removal
- Right and Duty to Defend
- Excess Cargo
Additional Program Advantages
- No Coinsurance Penalty
- Expanded Refrigeration Coverage
- Coverage for Hired Car Cargo
- Mitigation Payments up to $5,000
- Fire Department Service Charge Expense Coverage up to $25,000
Underwriting and Market Access
J.M. Wilson partners with a wide range of both admitted and non-admitted carriers, giving you flexibility to place accounts that don’t fit standard markets. This is especially helpful for risks with unique cargo types, frequent cross-border travel, or specialized equipment needs. While there is no stated minimum premium, accounts should demonstrate sound operations and risk management practices for best consideration.
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 a trusted MGA and E&S broker, J.M. Wilson gives independent agents access to specialty markets and responsive underwriting teams. Our knowledge of the transportation and cargo sector allows us to help you find solutions for difficult-to-place risks, fast-moving logistics operations, and niche transportation businesses. Whether you're working with a new courier startup or an established livestock hauler, we’re here to support your placement needs from quote to bind.
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 with unique or higher-risk cargo exposures.
Is this program available on an admitted or non-admitted basis?
J.M. Wilson works with both admitted and non-admitted carriers, offering flexibility depending on the risk profile and state.
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.