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Transportation coverage is dominated by auto exposure, and 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.
Drawn from analysis of mid-market accounts in this class. The structural ones, what's missing from the coverage rather than what it costs, are the ones that end up on a balance sheet.
The lines ARIA recommends for a well-structured coverage stack in this industry, in the order they typically attach.
ARIA can now evaluate the controls, dependencies, and operating risks that shape how your business responds before, during, and after a loss. About 3 minutes. A Business Preparedness Score, public website security signals, and the three actions that matter first.
A company driver, fatigued at the end of a long shift, rear-ends a passenger vehicle at highway speed. Three fatalities in the passenger vehicle. Plaintiff demands $24M; venue is plaintiff-friendly.
Operator's $5M primary + $5M umbrella tower exhausts at $10M. Operator absorbs $14M of judgment out-of-pocket. Settlement discussions reveal MVR review on the driver showed prior speeding violations 18 months before hire; negligent-entrustment theory adds punitive exposure. Operator files Chapter 11.
RiskMind structure: $5M primary + $25M umbrella (4 layers from 3 carriers) + driver-MVR monitoring coverage with monthly pulls. Tower responds to the $24M settlement; driver-MVR coverage documentation defeats the negligent-entrustment theory. Indicative annual premium for the upgraded tower + monitoring: $580K–$840K. Operator survives.
Illustrative scenario · how this claim pattern breaks, not a client history
Annual premium distribution across the full coverage stack for a comparable business in your industry. ARIA refines your exact position once it reads your declarations page.
Illustrative ranges for this class · replaced by cited findings when ARIA reads your policies
In market at 120 days, terms at 60, bound at 30. Select the month and those dates are yours, not a generic example. No email, no form.
Ninety days before it, you get one market read for your industry, from me. Nothing else happens without you.
ARIA pre-loads your transportation & logistics exposure profile the moment you click. Peer benchmarks, top risks, and the carriers in appetite at your scale.
In writing, within 48 hours, free. If the read shows your current program is right, I will tell you to stay put, in writing. You lose nothing either way.
Nothing binds until a licensed Risk Strategist signs the placement
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