Worldwide Cargo Insurance & Supply Chain CoverageLogistics - Carriers - Freight Brokers - Freight Forwarders - Truckers - Shippers
World’s Premier Cargo Policy
Why settle for sub-par insurance?
- Your Business and Clients Deserve the Best
- Customized Policies with Innovative Coverages
- Specially Tailored Valuation
- Ocean Cargo and Inland on One Policy
- Designed to meet the new Federal Regulations
Avoid Coverage Gaps
From Federal Regulations to loss of income our policy can cover it all.
Our marine experts analyze your exposure and offer the right solutions.
Industry Best Service
We always answer the phone – 24/7 certificates & Instant Support.
The Right Cargo Policy Matters
With Kirkwood you’re not just buying insurance. You’re getting a dedicated team working on your behalf to reduce costs, fight claims, and help your business run smoothly. Insurance should NEVER hold up your work.
Cargo Insurance Coverages
Inland Marine Cargo
Ocean Marine Cargo
Warehouse Legal Liability
Errors & Omissions
Property Insurance & More
Coverage for New FDA Regulations
Loss of Income & Operating Expenses
Coverage for loss of market value
All Modes of Transportation – land, water and air
Cover Direct Damage for Owners & Shippers
All in one insurance policy
Frequently Asked Questions
Why choose Kirkwood over other brokers?
Decades of experience and unparalleled expertise has established Kirkwood as the premier broker for complex industries. As such, Kirkwood has access to exclusive programs not accessible to other brokerages.
Our cargo insurance program provides vastly GREATER COVERAGE than any other cargo policy available today. Some of these new exclusive cargo coverages include Loss of Income due to property damage, diminution of value, and liquidated damages for delay.
What types of businesses do you insure?
Our cargo insurance program covers the entire supply chain, including: Freight Brokers, Freight Forwarders, Logistics Providers, Shippers, Manufacturers, Distributors, Wholesalers, Warehouse Operators, Motor Carriers, Air Carriers, Ocean Carriers, etc…
What factors are involved in calculating my cargo insurance rate?
There are many factors involved in determining the rate of cargo insurance. Geographic location and radius of operation is at the top of that list. Other factors include the type of cargo, average value of each shipment, annual transportation revenues, mode of transportation, and type of valuation.
Complete Insurance Programs
Freight Brokers Insurance Program
Freight Forwarders Insurance Program
Logistics Insurance Program
Trucking Insurance Program
Shippers Insurance Program
Distributor Insurance Program
Installation & Rigging Insurance Program
Property while on land, over water, or in the air
Coverage for Broken Seals
Direct Damage Coverage for Freight Brokers
Trailer Interchange Coverage Built-In
Government & Civil Authority
Cover Direct Damage for Owners & Shippers
Claims for Breach of Contract
Transportation Insurance Definitions
- Cargo Insurance covers property while in transit
- Contingent Cargo insurance coverage provides additional limits when the underlying cargo limits are not sufficient. It usually applied to a freight forwarder when the motor carrier’s cargo limits are either insufficient or fail to provide coverage.
- Freight Broker Liability this often refers to contingent cargo coverage, but can also refer to contingent auto or professional liability.
- BMC-91 is the auto filing required by the FMCSA for motor carriers and freight forwarders. In most cases, the FMCSA requires motor carriers and freight carriers to carry auto liability limits of $1 million. Non-asset operating freight forwarders can get this requirement waived
- BMC-34 is the cargo filing required for household goods movers and forwarders. Household goods carriers are required to carry cargo insurance minimums of $5,000 per vehicle.
- Warehouse Legal Liability covers property while in storage that the warehouseman is legally liable for.
- Contingent Auto insurance provides additional limits over the motor carrier’s trucking policy. This coverage is very important of freight forwarders, brokers and shippers, as they are often dragged into lawsuits.
- BMC-84 is a bond filing required for freight brokers by the Federal Motor Carrier Safety Administration (FMCSA). The FMCSA currently requires freight brokers to carry a $75,000 bond. A more costly alternative to the BMC-84 is the setting up a trust account called the BMC-85. This option is less appealing however since it requires collateral.
- MCS-90 is the filing required for motor carriers. The motor carrier’s trucking liability policy makes this filing.