Hired and Non-Owned Auto (HNOA):

Essential for businesses that frequently use vehicles they don't own for business purposes. It provides vital third party liability coverage, protecting your business from the financial and legal risks associated with accidents involving these vehicles.

Commercial Auto (sometimes called “While Under Dispatch”):

a specialized commercial auto policy for independent contractors to address gaps often left by a personal auto policy. This insurance mitigates bodily injury and property damage liability from incidents that occur when a contractor is actively engaged in work for the company—i.e., when they are "under dispatch."

Occupational Accident (OCC/ACC):

provides coverage for injuries, disabilities, or death that occurs as a result of a work-related accident. It is often used as an alternative to workers' compensation insurance, particularly for businesses that utilize independent contractors, gig workers, or other non-traditional employees who may not be covered by standard workers' compensation policies.

(Commercial) General Liability:

provides coverage for a wide range of liability risks. It protects businesses from financial losses related to claims of bodily injury, property damage, personal and advertising injury, and medical payments that occur on business premises or as a result of business operations.

Cargo:

coverage for goods or products that are being transported by the company, protecting a company and its clients against financial losses that can occur if the cargo is lost, damaged, or stolen during transit.

Contingent Liability:

coverage that protects a business from liabilities that arise indirectly or as a result of the actions of third parties, such as contractors or subcontractors. Particularly relevant, this type of insurance can help a business cope with a misclassification lawsuit.

Errors & Omissions (Professional Liability):

protects businesses and professionals against claims of negligence, mistakes, or failures to perform services. Common E&O claim types in the logistics industry involve clients bringing suit for: documentation errors, failure to follow shipper instructions, negligent late delivery, misclassification of shipped goods, and incorrect pricing estimates/quotes.