Coverdash vs Heffernan Insurance Brokers Cargo and Transit Insurance

Coverdash arranges motor truck cargo and ocean marine coverage as a broker, matching applicants to quotes from multiple insurers rather than underwriting a single in-house cargo product. ^4,5Company-reported. Both product pages; describes the brokerage model, not a specific insurer's cargo product.

Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. ⁹Company-reported. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed.

Neither the motor truck cargo page nor the ocean marine page names the insurer that would issue a specific policy; both describe comparing quotes from Coverdash's panel of insurers instead. ^4,5Not publicly disclosed. Pages checked 2026-09-23; the issuing carrier for a specific quote is not disclosed on either page.

Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. ^9,10Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Coverdash markets motor truck cargo coverage to for-hire truckers, owner-operators and fleets that haul other people's goods, and says brokers and shippers usually require proof of this coverage before giving a business loads. ⁴Company-reported. Motor truck cargo Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

Coverdash markets ocean marine coverage to importers, exporters, freight forwarders and other businesses that move goods internationally by sea. ⁵Company-reported. Ocean marine Who it's for section; illustrative audience, not an exhaustive eligibility list.

Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. ^9,10Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

Motor truck cargo coverage includes damage to freight in transit, theft while the freight is in the hauler's care, loss during loading and unloading, and debris removal after a covered loss. ⁴Company-reported. Types of Coverage section on the motor truck cargo page; subject to exclusions and terms in the policy as issued.

Coverdash's motor truck cargo FAQ says certain commodities, such as alcohol, tobacco or live animals, are often excluded or need special endorsements, and tells applicants to confirm the policy covers what they actually haul. ⁴Company-reported. FAQ answer on exclusions; specific excluded commodities depend on the policy as issued.

Ocean marine coverage includes cargo loss or damage in transit by water, hull damage to the vessel itself, loss of freight charges when a shipment is lost, and third-party marine liability. ⁵Company-reported. Types of Coverage section on the ocean marine page; subject to exclusions and terms in the policy as issued.

Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. ^9,10Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

Coverdash's motor truck cargo FAQ cites $100,000 as a common cargo limit but says high-value freight may need more. The ocean marine page publishes no limit figures and instead describes an open cargo policy that automatically covers a business's shipments over a period rather than insuring each one individually. ^4,5Company-reported. FAQ answers checked 2026-09-23; illustrative common limit for cargo only, not a published limit schedule for either line.

Not described in the reviewed sources.

Not described in the reviewed sources.

Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. ^9,10Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

You request a cargo or ocean marine quote through Coverdash's online form. Coverdash says coverage can be quoted, bought and managed digitally, with a dedicated advisor from the first quote through renewal. ^4,5Company-reported. Why work with Coverdash and Get a quote call to action on both pages; quote speed and advisor availability are company-reported and not independently tested.

Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. ⁹Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.