Common questions about Transporters
Answering the most frequently asked questions about Transporters.
Do route and security protocols affect coverage?Gravity Certs2026-08-17T23:35:08-04:00
Frequently. GPS tracking, two-person crews and route rules are often policy warranties rather than suggestions.
Do we need excess limits?Gravity Certs2026-08-17T23:35:08-04:00
Generally yes. Commercial auto severity plus high-value cargo justifies coverage above primary.
Is product covered in transit?Gravity Certs2026-08-17T23:35:07-04:00
Only with inland marine or cargo coverage. Auto liability covers the vehicle, not the goods inside it.
Are we exposed to hijacking?Gravity Certs2026-08-17T23:35:07-04:00
Yes, and it’s a documented pattern in cannabis transport. Crime and cargo coverage both play a role.
What’s our biggest exposure?Gravity Certs2026-08-17T23:35:06-04:00
Auto. Fleet operation produces more severity than the cargo itself in most transport operations.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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