Comprehensive Commercial - Business Auto Insurance Solutions

Grow your delivery business and shrink your risk

From food delivery to retail merchandise, the spread of e-commerce has delivery companies scrambling for the right delivery insurance. Your delivery operations are fast-paced and agile, and their coverage must be too. Our team of dedicated experts has specialized in the delivery/logistics industries for more than half a century, making us uniquely qualified to create the right commercial automotive insurance, business auto insurance, courier insurance and same-day delivery insurance programs that enable the next chapter of growth that keep you rolling.

Our customized approach to managing your risk is the difference-maker, no matter your specialty.

Same-Day Delivery Insurance

From food delivery to retail merchandise, the spread of e-commerce has delivery companies scrambling for the right delivery insurance.  Same-day delivery operations are fast-paced and agile, and their coverage must be too. We’ve specialized in the delivery/logistics industries for more than half a century, making us uniquely qualified to create the right courier insurance and same-day delivery insurance programs that enable the next chapter of growth for delivery companies such as yours.

Courier Insurance

As a courier service provider, you’ve built a business on precision, expertise in your industry, and a dedication to getting the job done. You should expect the same from your courier insurance partner. We understand the same-day delivery industry, top to bottom. We’ve pioneered cutting-edge courier insurance products with the help of our carrier partners that are an exact match to your specifications.

Shipping Insurance

Expediters face the unique challenges of getting on-demand cargo, large and small, to their destination as quickly as possible regardless of the distance. We specialize in expedited freight insurance and same-day delivery insurance and have a dedicated variety of transportation insurance programs designed to handle the ever-changing landscape of the logistics industry. Our customized programs are tailored to help expediters ensure the protection and security of their day-to-day operations.

Distribution

Local and regional distribution continues to expand and companies need an insurance and risk management partner capable of growing with them. Whether you're distributing alcohol, beer, perishables, retail merchandise, or anything else, there are unique risks that your operation faces daily. We understand your diverse needs and have several options to help you best protect your business. Creative solutions with respect to Workers' Compensation, Fleet Auto, and General Liability help protect what you’ve worked hard to build without depleting the bottom line.

Last Mile Delivery Insurance & White Glove Delivery Insurance

Your business is as diverse as the items you deliver. Whether you specialize in last mile delivery to consumers or high-touch, white-glove delivery, we’ve got you covered. Sensitive shipments and fragile items must be handled with care, and so should your business. Protect your operation, fleet, and specialty deliveries with courier insurance and same-day delivery insurance designed specifically for your business and its unique needs.

Restaurant & Grocery Delivery Insurance

Just as you offer customers a convenient and efficient way of shopping, Risk Strategies specialization in same-day delivery insurance provides you with fast, spot-on coverage selection that meets your organization's unique needs, including:

• Custom cargo insurance for temperature-related or spoilage claims
• Specialty cyber liability coverages
• Affordable hired auto insurance
• IC misclassification insurance specifically for the use of 1099 drivers
• Regulatory and compliance alerts

Freight Broker / Forwarder Insurance

• Freight brokers/forwarders have unique risks and liabilities that extend beyond standard courier insurance or transportation insurance coverage. Risk Strategies offers freight broker insurance and freight forwarder insurance coverages and capabilities specific to your industry, including:
• Exclusive freight broker/forwarder insurance program
• Quick broker bond quotes
• Specialty contingent auto insurance coverage
• Blanket contingent cargo insurance coverage to cover customers’ freight
• Regulatory and compliance alerts

Warehouse & Terminal Insurance

As a logistics and warehouse services provider, you know that protecting your customers’ goods goes well beyond transporting them. That’s why it’s critical that proper warehouse insurance is in place to guard against property loss or destruction.

Records & Information Management

Business data has value, and managing it has risk. Records information management (RIM), imaging/vaulting, shredding or document destruction. We offer:

• Customized RIM insurance programs
• Data breach liability policies covering fines, penalties, notification and credit monitoring expenses
• 24-hour claim support hotlines in the event of a data breach
• Proprietary replacement income product (or storage legal life) in the event of a catastrophe
• Risk guidance for RIM companies
• Regulatory and compliance alerts

Frequently Asked Questions

Here you'll find clear answers to common questions about business / commercial auto insurance.

We utilize 1099 independent contractors who own & drive their delivery vehicles. Can you still help?

Yes!  ICs, Owner-Operators, Master Contractors, Freight Agents, Vendors, or whatever you call them; we can craft business auto coverage to protect your operation from this unique exposure AND make the coverage very user-friendly throughout the policy term.

Can you insure delivery rental trucks?

Yes. Whether your operation includes rental vehicles on a continual basis or on an as-needed basis, we can help you determine the best approach to covering those vehicles.

Our claims history hasn’t been good, can you help us?

We can. The transportation & logistics industry has its fair share of ups and downs when it comes to claims history.  We know the insurance marketplace better than any other broker and can help you navigate the insurance marketplace for the best available coverage.

Can you handle my Department of Transportation (DOT) filings?

Yes. Our experience working with transportation & logistics clients means we understand just how important operating authority is to your business.  The insurers we work with can handle your state and federal insurance filings as well as unique items such as UIIA coverage.