Contingent Auto Liability

Protection for freight brokers against auto liability claims when carrier coverage falls short

Contingent Auto Liability Quote

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Contingent Auto Liability Insurance

If you’re a freight broker working with independent motor carriers, Contingent Auto Liability Insurance is a critical layer of protection. EQ Fidelity’s policy helps safeguard your brokerage when a carrier’s primary auto liability insurance fails, is denied, or does not provide adequate coverage after an accident.

What Is Contingent Auto Liability Insurance?

Contingent Auto Liability Insurance provides secondary liability protection for freight brokers when a motor carrier’s auto liability policy does not respond to a claim. While it does not replace the carrier’s primary insurance, it helps protect your business from costly liability gaps and legal exposure.

Why Freight Brokers Need It

  • Shippers often require brokers to carry contingent auto liability coverage
  • Carrier auto policies may lapse, be canceled, or contain exclusions
  • Claims can be denied due to policy violations or uncovered drivers
  • Brokers may still be held liable after accidents involving hired carriers

Frequently Asked Questions

What is Contingent Auto Liability Insurance? +

Contingent Auto Liability Insurance is a secondary policy designed for freight brokers. It provides protection when a carrier’s primary auto liability insurance fails to cover bodily injury or property damage resulting from an accident.

When does this coverage apply? +

This coverage applies only after the carrier’s auto liability insurance has been exhausted, denied, or deemed insufficient. It helps protect brokers from unexpected liability exposure.

What does EQ Fidelity’s policy cover? +

Our policy can provide coverage for bodily injury and property damage claims arising from accidents involving contracted carriers, helping shield your brokerage from costly lawsuits and settlements.

How is this different from primary auto liability insurance? +

Primary auto liability insurance belongs to the motor carrier and responds first to a claim. Contingent auto liability insurance only activates if that primary coverage fails — protecting brokers from coverage gaps.

How can I get a quote? +

Simply complete the quote form on the left with your brokerage details. Our team will review your information and provide a customized contingent auto liability quote quickly and professionally.

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