---
title: "Certificate of Insurance for a Freight Broker or Shipper"
description: "Get a certificate of insurance for a freight broker or shipper: generate it in the Spot app with your auto liability and cargo, and close limit gaps with your Spot team."
canonical: "https://spot.insure/certificate-of-insurance/freight-broker"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/certificate-of-insurance/freight-broker)

## Agent Guide

**What this page is:** Get a certificate of insurance for a freight broker or shipper: generate it in the Spot app with your auto liability and cargo, and close limit gaps with your Spot team.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Send freight brokers and shippers the certificate they need to load you

Generate carrier certificates in the Spot app for each broker or shipper, and your Spot team handles requests for higher limits or added cargo cover.

- Carrier setup certificates generated in the Spot app
- Cargo and liability limits checked against each request
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=certificates&coverage=trucking&icp=trucking)

## How it works

- **Share the setup packet.** Upload the broker’s or shipper’s carrier packet, or forward their insurance request. Your Spot team compares their limits with yours.
- **Close limit gaps.** If they want higher liability or cargo limits, or a coverage you don’t carry, we get the cost from your broker before you accept the lane.
- **Generate the certificate.** Create it in the Spot app with the broker or shipper as certificate holder, and send it with the rest of your setup packet.
- **Keep proof current.** Your Spot workspace keeps your trucking policies and their renewals, so you can send updated certificates without chasing your agent.

## What your certificate needs to show

- **Auto liability.** Liability for injury or damage your truck causes, at the limit the broker or shipper sets.
- **Motor truck cargo.** Cover for the load itself, with a limit that fits the freight and any exclusions the shipper cares about.
- **Your carrier details.** Your legal name, MC and USDOT numbers matching your authority, and sometimes the units on the policy.
- **General liability and workers’ comp.** Some shippers ask for these too, especially when your drivers load or unload at their docks.
- **The broker or shipper as certificate holder.** Their legal name and address, and sometimes their status on your policy, as their packet describes.

## Endorsements to check

- **MCS-90.** An endorsement some operations need on the liability policy as proof of financial responsibility. It isn’t created by a certificate, and the federal filing is a separate step.
- **Additional insured.** Some shippers ask to be added to your auto or general liability policy. That needs an endorsement, which your Spot team requests through your broker and insurer.

## Generate your certificate in Spot

- **Pick your trucking policies.** Choose auto liability, cargo and anything else the packet lists.
- **Enter the broker or shipper.** Add their legal name and address as certificate holder.
- **Upload the setup packet.** Attach the packet’s insurance page or list its requirements, including any units or commodities to show.
- **Check it, then send.** Confirm your MC number, limits and policy dates, then download the certificate or send it to their carrier setup team.

## Mistakes to avoid

- **Cargo exclusions that don’t fit the freight.** Shippers read cargo terms for how the policy treats their goods, refrigeration and unattended trucks. Describe your freight when the policy is quoted, not after a shipper asks.
- **A name that doesn’t match your authority.** The insured name on the certificate should match the name on your operating authority.
- **Treating the certificate as the filing.** Brokers can check your federal insurance filing separately. A certificate doesn’t replace it.

[Generate a COI in Spot](https://app.spot.insure)

## Coverage

- [Trucking](https://spot.insure/insurance/trucking)
- [Cargo and transit](https://spot.insure/insurance/cargo-transit)
- [General liability](https://spot.insure/insurance/general-liability)
- [Workers’ compensation](https://spot.insure/insurance/workers-compensation)
- [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess)

## Common questions

### How do I send a certificate to a new freight broker?

Generate it in the Spot app from your trucking policies, with the broker as certificate holder, and send it with your setup packet.

### The shipper wants a higher cargo limit. Can the certificate show it?

Only if your policy has it. Ask your Spot team, and we’ll get the cost of raising the limit from your broker before you agree to the load.

### Does my certificate prove my federal filing?

No. The filing is made by your insurer and checked separately. Spot follows up with your broker until it’s in place.

### Does my trucking agent still place the policies?

Yes. Spot works with your agent or broker and takes no commissions on premiums. Their policies sit in your Spot workspace, ready for certificates.

## More

- [Certificates of insurance](https://spot.insure/certificate-of-insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/certificate-of-insurance/freight-broker.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)