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Insurance Tips & Guides for Freight Brokers

Stay ahead with expert advice on coverage, certificates, and cost-saving strategies.

Contingent Cargo Guide Insurance Guide
February 8, 2025

The Ultimate Guide to Contingent Cargo Insurance in 2025

In today’s fast-moving freight and logistics industry, risk management is no longer optional—especially for freight brokers. As shipper expectations rise and carrier insurance gaps become more common, Contingent Cargo Insurance has become a critical safeguard. This 2025 guide explains everything freight brokers need to know to stay protected, compliant, and competitive.
What Is Contingent Cargo Insurance?
Contingent Cargo Insurance is a secondary coverage designed specifically for freight brokers. It protects brokers when a carrier’s primary cargo insurance:

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Lower Premiums
Auto Liability February 8, 2025

How to Lower Your Premiums Without Losing Coverage

Real strategies used by 7-figure brokers to cut costs by up to 40% while staying fully protected.

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24/7 Certificates
Certificates March 22, 2025

Generate Certificates 24/7 – Even at 3 AM

Never wait for office hours again. Our system lets you create and send certificates instantly, any time.

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MORE FAQS

Ans: A freight broker (or freight brokerage company) acts as an intermediary that arranges transportation of freight between shippers and receivers using trucking companies (carriers). They do not own or operate trucks themselves.

Ans: No. A freight broker owns computers and telephones. He is merely an arranger of services provided by trucking companies that own their own trucks.

Ans: As of recent data (2025–2026), there are approximately 25,000–26,000 active freight brokers operating in the USA.

Ans: One solid reason – to obtain more customers that will give loads to move. Most shippers require brokers (and their carriers) to carry some form of insurance coverage. Without contingent cargo and contingent auto liability, it becomes very difficult for a freight broker to secure loads from shippers, as they want protection if the primary carrier's insurance fails.

Ans: You can start making your customers certificate holders today. Just fill out your information on the quote portion of the site. Upon approval, please fax a copy of your premium payment check that you will be mailing us. Also, please sign and fax us the terms and conditions page. When we receive your fax copy of your check, we will bind coverage. Coverage is not complete until the actual check funds are received by ContingentCargo.co.

Ans: If a freight brokerage has customers/shippers that require contingent cargo or contingent liability coverage, the shipper wants to be named as a Certificate Holder on the policy. ContingentCargo.co will endeavor to keep all certificate holders updated on any changes in the policies.

Ans: You have several options: For a large list, email us an Excel file — we can import the entire list and email new certificates immediately. For individual additions, just email us the customer details. Alternatively, use our online tool under “Print Certificate” to add them yourself.

Ans: This is a contingent policy — it does not replace the primary insurance provided by the trucking company you hire. As a broker, your top priority is contracting with carriers that have adequate primary liability and cargo coverage. Our tracking service monitors the carrier’s primary insurance: we verify if it's up to date, track expirations/renewals, and notify you a month before expiry — so you can always feel secure.

Ans: No, not at all. This program (including monitoring and up to 200 certificates annually) comes free with your coverage. Once we bind your policy, you're set up on our monitoring server — no additional costs or hidden charges.
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