Our Insurers
Hauliers, courier operators, freight forwarders and logistics companies face exposures that go well beyond standard motor cover. We arrange fleet, goods in transit, haulage liability and operational cover tailored to how you work.
Transport and logistics risks require specialist insurance markets. We have the contacts and experience to place cover across the full spectrum of haulage and logistics businesses.
Fleet motor for HGVs, artics and rigids. Road haulage liability, goods in transit and employers liability. We work with specialist haulage markets and understand OCRS scores and operator licence requirements.
Cover for courier businesses from single-van operations to multi-vehicle fleets. Goods in transit, public liability and fleet motor arranged with markets experienced in the courier sector.
BIFA-standard conditions liability, freight forwarder's liability and errors & omissions cover. We understand the specific risks of international freight movements and the limitations of standard PI.
Warehouseman's liability for goods held in storage. Buildings, contents, business interruption and employers liability for warehouse operations. Including cover for goods stored under UKWA terms.
Temperature-controlled transport cover including cargo spoilage, refrigeration breakdown and temperature excursion liability. Specialist markets for chilled and frozen goods operators.
Cover for self-employed owner-drivers and small fleet operators. Combined goods in transit and motor insurance arranged with markets that understand the owner-driver business model.
Transport and logistics businesses need a programme of covers that works together. We review your full operation and identify everything that needs protecting.
Comprehensive cover for HGVs, LGVs, vans and cars used in your business. Named driver or any authorised driver policies. We review driver lists, vehicle schedules and usage to ensure nothing is excluded.
Covers cargo you're carrying for loss, damage or theft during transit. Limits from £10,000 to £10m+ per consignment. Cover for all-risk or specified perils, including temperature excursion for chilled goods.
Covers your legal liability for damage to customers' goods while in your care, custody and control. Essential for hauliers — not covered by standard fleet motor or GIT policies alone.
A legal requirement. Covers claims from drivers and warehouse staff injured at work. We ensure your policy extends to working time regulations, loading/unloading operations and agency workers.
Covers injury to third parties and property damage caused by your business activities. Including delivery operations, loading and unloading, and activities at customer premises.
Covers your liability as a freight forwarder for loss, damage or delay to goods in your care. Includes BIFA and FIATA conditions coverage, errors and omissions, and customs duty liability.
If a fire, flood or vehicle loss stops your operation, BI replaces lost revenue. For transport businesses, we ensure cover extends to key vehicle loss and driver absence scenarios.
Fleet management systems, TMS platforms and customer portals create cyber exposure. Cover for system outages, data breaches and ransomware attacks affecting your logistics operation.
Fuel and chemical spillages create serious environmental liability. Pollution clean-up costs and third-party claims for environmental damage can be significant. We assess the need for this cover on every transport account.
We have long-standing relationships with specialist haulage and logistics markets — not just mainstream commercial insurers.
Your Operator Compliance Risk Score affects your insurability and premiums. We understand OCRS and can advise on its insurance implications.
We review your highest-value consignments and ensure GIT limits are adequate — inadequate limits are the most common GIT claim problem we see.
Transport claims can be complex — cargo damage, subcontractor liability, cross-jurisdiction issues. We manage the process and fight your corner.
A haulage company was carrying high-value electronics from a distribution centre when the trailer was stolen from a motorway services. The cargo value was £185,000. The insurer initially sought to reduce the settlement citing the driver leaving the cab — we challenged this on the basis of the specific circumstances and the policy wording. The full claim was paid. Without specialist broker advocacy, the business would have faced a significant shortfall.
Tell us about your business and we'll come back with a competitive quote — usually within 24 hours. No automated responses, just a specialist broker who knows your sector.
Prefer to talk? Call 0208 909 2899 Mon–Fri 9am–6pm or drop us an email at info@foruminsurance.com