01
Name Us as Certificate Holder
List the certificate holder as Ship Smart Solutions, Naperville, Illinois. Ask your agent to issue the COI directly to us.
CarriersCarriers
Insurance Requirements
Required before carrier setup
Exactly what you need to provide before you haul.
To haul for Ship Smart Solutions, carriers must meet our insurance requirements before setup. Adequate coverage protects your business, your freight, and our shippers — and it’s a condition of joining our vetted carrier network. Here’s exactly what you need to provide.
Auto liability
A combined single limit is required on every approved carrier.
Cargo coverage
Minimum limits apply, with higher limits for high-value and reefer freight.
Reefer breakdown
Required for temperature-controlled loads, with no breakdown exclusion.
Continuous monitoring
Coverage is checked on an ongoing basis, not only at setup.
Coverage minimums
Required Coverage
Every carrier in the network carries these lines of coverage. Exact limits are confirmed in writing during carrier setup, and higher limits may apply to specific freight, commodities, or customer programs.
01
Auto Liability — $1,000,000 combined single limit
Primary auto liability covering the power unit used to move our freight, active for the full duration of the load.
02
Cargo Coverage — $100,000 minimum
Higher limits are required for high-value commodities and temperature-controlled freight. Confirm your limit before booking loads above it.
03
Reefer Breakdown Coverage — required for temp-controlled loads
Your policy must not carry a reefer breakdown exclusion. Without it you are not eligible for temperature-controlled freight.
04
General Liability — $1,000,000 where required
Applies to carrier operations that call for general liability under the carrier agreement or a specific customer program.
05
Workers’ Compensation — as required by law
Carried at the level your state of operation requires, and kept active for the duration of your agreement with us.
Providing Your COI
Your certificate of insurance is what we verify against. Send a current one with your setup packet, and keep it current — coverage is monitored continuously, not just on the day you sign up.
02
Send It With Your Setup Packet
Include a current COI with your carrier setup documents so onboarding and verification can complete in one pass.
Carrier setup packet03
Keep Your Coverage Current
We monitor insurance status on an ongoing basis. Renew before expiration to stay active and eligible for freight.
About our carrier network
Why Coverage Matters
Because we run our own fleet, we hold network carriers to the same standard we hold ourselves. Verified insurance protects everyone.
- 01Your freight is covered if something goes wrongA claim on an uninsured or underinsured load lands on your business. Correct limits keep it where it belongs — with the policy.
- 02Shippers stay protectedVerification is part of our fraud and risk safeguards, and it is one of the reasons customers trust the network with their freight.
- 03You stay eligibleCarriers that let coverage lapse can’t book loads. Keeping your COI current is the simplest way to protect your access to freight.
Insurance verificationInsurance verificationFrom Coverage to
From Coverage to
Cleared to Haul
Confirm your limits, have the certificate issued to us, submit it with your packet, and keep it renewed. Four steps, once.
01
Confirm your limits
Review auto liability, cargo, reefer breakdown, general liability, and workers’ comp with your insurance agent.
02
Request your COI
Have your agent issue a current certificate naming Ship Smart Solutions as certificate holder.
03
Submit with setup
Send the COI with your carrier setup packet alongside authority, safety, and payment information.
04
Stay current
Renew before expiration. Coverage is monitored continuously, and a lapse pauses your ability to book freight.
- Auto Liability
- Cargo Coverage
- Reefer Breakdown
- Certificate of Insurance
- Workers’ Compensation
- Continuous Monitoring
- Vetted Carrier Network
- Auto Liability
- Cargo Coverage
- Reefer Breakdown
- Certificate of Insurance
- Workers’ Compensation
- Continuous Monitoring
- Vetted Carrier Network
Insurance Requirements FAQs
What insurance do I need to haul for Ship Smart Solutions?
Auto liability of $1,000,000, cargo coverage of $100,000 (higher for high-value or reefer freight), and workers’ compensation as required by law. General liability is required where your carrier agreement or a customer program calls for it — see Required Coverage for the full list.
What cargo limit do I need?
A minimum of $100,000, with higher limits for high-value or temperature-controlled freight. Your applicable limit is confirmed during setup.
Do I need reefer breakdown coverage?
Yes, for temperature-controlled loads — and your policy must not carry a reefer breakdown exclusion. Without it you aren’t eligible for reefer freight.
Who should be listed as certificate holder?
Ship Smart Solutions, Naperville, Illinois. Your agent can issue the certificate directly to us.
How do I submit my certificate of insurance?
Include a current COI with your setup packet. See the Carrier Setup Packet for everything to send in one submission.
What happens if my coverage lapses?
You won’t be able to book loads until coverage is current — we monitor insurance status continuously. Send an updated COI and your access resumes.
Do these requirements apply to all freight types?
Yes — across dry van, reefer, and open-deck freight — with higher cargo limits for high-value and temperature-controlled loads.