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Transportation coverage is dominated by auto exposure — auto premium is often 60-70% of total cost. Cargo, garage, and motor-truck-cargo coverage layer on top. The line that defines this industry is auto-liability limit adequacy, especially in jurisdictions where nuclear verdicts (>$10M) are common.
Below is that profile under Michigan rules: Midwest perils, state statutes, and the market structure built around them.
The exposures that hit this class hardest, drawn from analysis of mid-market accounts. The structural ones cost more than the premium-driven ones.
Full industry deep-dive: Commercial insurance for Transportation & Logistics →
The perils and statutes that change how transportation & logistics coverage must be structured here, before any quote means anything.
Full state guide: Business and commercial insurance in Michigan →
The lines ARIA recommends for a well-structured program in this industry, in the order they typically attach.
The core stack for transportation & logistics typically starts with Commercial Auto Liability w/ $5M–$10M limits, Motor Truck Cargo (scheduled commodities), Garage Liability (if maintenance ops), Excess Liability / Umbrella, structured in that order. Workers' compensation is required for most employers. The threshold rules count employees in ways that capture nearly all real businesses, so assume it applies. ARIA reads your operation against both the industry profile and Michigan specifics before any quote is requested.
For nearly all employers, yes. The statutory thresholds are technical but capture almost any business with regular employees. Manufacturing classes reward disciplined classification and experience-mod management.
For the industry itself: nuclear verdict exposure. Trucking accidents involving fatalities or catastrophic injuries are producing $10M-$50M jury verdicts in plaintiff-friendly venues. A $1M state-minimum policy is meaningfully exposed in most jurisdictions. Layered on top in Michigan: supplier contractual cascade. OEM purchase orders flow indemnity, recall, and insurance requirements down through every tier. A tier-2 supplier's coverage gets tested against terms written for tier-1 balance sheets, and recall expense is the line that breaks first.
ARIA pre-loads the transportation & logistics exposure profile with Michigan perils and statutes layered on. Top risks, the stack that answers them, and the carriers in appetite for your class here.
Nothing binds until a licensed Risk Strategist signs the placement
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