Heffernan Insurance Brokers vs Travelers Cargo and Transit Insurance

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. ⁴Company-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.

Travelers underwrites cargo coverage as part of its inland marine line, sold as Cargo Pak or Cargo and Logistics Pak policies. ⁹Company-reported. Cargo page product description.

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. ^4,5Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Not described in the reviewed sources.

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. ^4,5Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

Travelers markets transportation insurance to manufacturers, wholesalers, retailers and distributors, and cargo-and-logistics coverage to motor carriers, freight forwarders, logistics service providers and freight brokers, and warehousemen. ⁹Company-reported. Cargo page eligibility lists for each named coverage.

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. ^4,5Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

The transportation policy covers a business's property while in transit on its own vehicles or through a public or contract motor, rail or air carrier, and Travelers says it will keep the business operating while the extent of a carrier's legal liability is determined. ⁹Company-reported. Cargo page transportation-insurance description.

Travelers says Cargo Pak and Cargo and Logistics Pak are set up for each operation, because the trucking industry has no standard definition of the services a carrier or logistics provider offers. ⁹Company-reported. Cargo page cargo-and-logistics-coverage description.

Not described in the reviewed sources.

The reviewed pages do not publish limits, deductibles or premium ranges for cargo or transportation coverage. ⁹Not found in reviewed sources. Cargo and inland marine pages as read on 2026-09-23; amounts would appear on a quote or declarations.

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. ^4,5Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

Travelers says its Inland Marine Network is a loss-mitigation process with dedicated risk-mitigation, claim and special-investigations specialists, backed by more than 600 Risk Control consultants and a Special Investigations Group that pursues recovery for cargo and other specialty losses. ⁹Company-reported. Cargo page Inland Marine Network, Risk Control and Special Investigations Group sections.

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. ⁴Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.

Cargo and transportation coverage is bought through a Travelers independent agent, who the site says can tailor coverage to the business's risks. ⁹Company-reported. Cargo page "Find an insurance agent" call to action.