ARIA · loading
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 Ohio 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 Ohio →
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. Ohio is one of four monopolistic workers' compensation states. Coverage is purchased through the state Bureau of Workers' Compensation, not private carriers. ARIA reads your operation against both the industry profile and Ohio specifics before any quote is requested.
Through the state monopoly fund. Employers register with the Ohio BWC and pay premiums to the state rather than buying private comp. Private programs from other states do not transfer, and the missing employers-liability piece must be added back through stop-gap coverage on the GL.
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 Ohio: monopolistic comp and the stop-gap question. Because comp comes from the state fund, it includes no employers liability coverage. Ohio employers need stop-gap employers liability added to their general liability policy, an endorsement that out-of-state programs routinely miss.
ARIA pre-loads the transportation & logistics exposure profile with Ohio 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
ARIA · live across every page