The Hartford doesn’t offer freight broker insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Freight Broker Insurance?
Freight broker insurance is a collection of different types of business insurance coverages designed to help protect you while you’re coordinating shipments and managing carrier relationships. From liability claims to employee injuries, the right insurance coverage can help you deal with unique challenges.
Although The Hartford doesn’t offer insurance for freight brokers, we help connect freight brokers with Tivly, so they can get the coverage they’re looking for.
Why Might You Need Freight Broker Insurance?
Freight brokerage insurance helps protect your business from legal and financial setbacks. Even the most experienced freight brokers can face challenges, like a damaged shipment or a carrier failing to deliver on time. Without the right coverage, a single dispute or delay could turn into a serious financial loss — jeopardizing your profits and even your reputation.
Freight broker cargo insurance helps protect you from the risks that come with:
- Coordinating shipments and managing third-party carriers.
- Handling time-sensitive freight with high client expectations.
- Relying on logistics systems and other tools that can be vulnerable to cyber threats.
Who May Need Freight Broker Insurance?
Insurance coverage can help many types of freight brokerages, including:
- Independent freight brokers
- Third-party logistics companies
- Online freight brokerages
- Dispatch firms
What Freight Broker Insurance Coverage Might I Need?
When it comes to protecting your freight brokerage business, you’ll want coverage that matches your potential risks. You can tailor your insurance package to include the coverages that address your specific needs, such as:
Workers’ compensation insurance to help support your employees as they recover from work-related injuries or illnesses. For example, if a dispatcher suffers a repetitive strain injury from long hours at the computer, this coverage can help pay for treatments and lost wages.
Commercial auto insurance to help cover claims related to an auto accident that occurs while you or an employee uses a company-owned vehicle for work.
How Much Does Freight Broker Insurance Cost?
Although The Hartford doesn’t offer coverage for freight brokers, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of freight broker insurance varies because every business faces unique risks. Insurance companies consider several factors when determining your coverage costs, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific freight broker business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“We were blindsided by a lawsuit after a delivery driver got hurt on the stairs of our office building.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Errors and Omissions Insurance
“We assigned a shipment to a new carrier and ended up footing the bill when they backed out last minute.”
Errors and omissions (E&O) insurance helps cover claims that your brokerage made a mistake that financially impacted someone else, such as misrouting a shipment, double-booking a load or failing to vet a carrier properly. This coverage is also known as professional liability insurance.
Workers’ Compensation Insurance
“My top coordinator suffered a repetitive motion injury and couldn’t work for weeks.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My team got into an accident while they were making a delivery to a client.”
Commercial auto insurance helps protect your employees on the road when using a company-owned vehicle for work. It can help cover bodily injury or property damage claims from an accident your business caused.
Commercial Property Insurance
“Our office flooring was ruined by a water leak under the floorboards.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Cyber Insurance
“Someone hacked our computers, putting our clients’ information at risk and exposing our logistics plans.”
Cyber insurance helps you respond to a cyberattack or data breach if personally identifiable information (PII) gets lost or stolen.
Get a Quote for Freight Broker Insurance Options
Don’t let delays, disputes or data breaches throw you off course. Get a free online quote from Tivly for the coverage you need.
Last Updated: May 21, 2026
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being,” viewed May 2026.
4 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed May 2026.
5 Federal Motor Carrier Safety Administration, “Broker and Freight Forwarder Financial Responsibility Rule Overview and Compliance Requirements,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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