Logistics Insurance

What Is Not Covered By Logistics Insurance?

To better understand the limitations of your insurance policy, please contact our team of specialists. We can discuss your specific requirements and look to arrange your cover to suit your needs.

Why Choose Wentworth Alexander Insurance Brokers?

However you operate, you should have suitable protection. With in-depth industry knowledge and glowing customer reviews, here at Wentworth Alexander Insurance Brokers, we can advise you on ways to protect your business and identify movement and storage risks, whatever you transport and how it is transported. 

We’ll provide an insurance solution specially designed for haulage and logistics professionals and can help you navigate the unique risks of moving goods, as well as assist you with claims should an unforeseen incident occur. Over the years we have supported many transport and logistics businesses in sourcing comprehensive coverage.

For a competitive, no-obligation quote on your haulage or logistics insurance, get in touch using the details below. Our team of insurance specialists can provide you with further information and discuss aspects of your insurance requirements.

Logistics insurance is a broad term covering the financial protection available to businesses that ship, store or transport goods by road, air or sea. It can include goods in transit cover, haulage liability, warehouse liability and freight forwarder’s liability. Because logistics operations involve multiple handover points, the right insurance protects your business from liability for loss or damage to goods throughout the supply chain.

Logistics businesses carry risk at every stage: on the road, in the warehouse and at every handover. Accidents, theft, damage to customers’ goods and third party injury claims can all lead to significant losses. A tailored logistics insurance programme lets your business absorb these events and keep operating, protecting your vehicles, stock, people and reputation.

Logistics insurance can cover your vehicles, goods in transit, liability for customers’ goods in your warehouse, freight forwarder’s liability, public and employers’ liability, and legal expenses. It can also include errors and omissions for administrative mistakes, and business interruption. We build cover around the routes, goods, storage and contracts your business actually runs.

Yes, goods in transit cover is a key component of logistics insurance. It protects the value of goods while they are being transported by road, rail, air or sea. If cargo is lost, stolen or damaged in transit, the policy compensates for the financial loss, protecting both your business and your contractual obligations to clients. Cover levels, territorial limits and exclusions depend on your policy terms.

Haulage insurance is designed for businesses whose primary trade is transporting goods for hire or reward, covering the vehicle, liability and often the cargo. Goods in transit insurance is broader and can also apply to businesses that move their own goods, such as manufacturers or retailers. Many logistics businesses need elements of both, and we can combine cover into a single, comprehensive policy.

Yes, through warehouse keepers’ liability, which covers your legal liability for goods you store for others. Cover follows the terms you trade on, typically UKWA conditions, so check your contracts match.

Only if the policy reflects them. Contracts often push liability beyond standard trading conditions, so we review key contracts and extend cover where needed.

Forklifts and material handling equipment can be insured for damage and theft. Lifting equipment also needs statutory thorough examinations, which engineering inspection cover can provide.

Public liability cover can be included as part of a logistics insurance package. It protects your business if a third party, such as a member of the public, a client or a contractor, suffers injury or property damage as a result of your business activities. For operators working at customers’ premises, loading bays and on public roads, it is an important part of your protection.

Yes. If your logistics business employs staff, including drivers, warehouse operatives or office staff, employers’ liability insurance is a legal requirement under UK law. You must hold a minimum of £5 million of cover and display your certificate of insurance. Failing to hold valid employers’ liability insurance can result in significant fines, so every logistics policy we arrange meets this obligation.

Yes. Whether you operate a single HGV or a large mixed fleet, we can source appropriate cover. For sole traders or owner operators running one vehicle, we can arrange standalone haulage cover. For growing fleets, a fleet policy provides a more cost effective and simpler solution, covering all your vehicles under one policy with a single renewal date.

Contact Wentworth Alexander on 01604 904 001 or email hello@waib.co.uk. One of our logistics insurance specialists will discuss your fleet size, the types of goods you carry, your operating territory and any contractual requirements from your clients, then put together a tailored logistics insurance package at a competitive premium.