Domestic Freight Emerges as Opportunity for Agencies
As price competition squeezes agencies in motor lines, domestic freight and logistics cargo insurance stands out as a less competitive, technical niche.
The price competition and declining commission rates seen in recent years in motor insurance lines have created an increasingly exhausting picture for agencies. Standard policies written with heavy effort ultimately fail to deliver the targeted profitability; sustainable growth requires turning to niche areas with less competition and higher profitability and customer loyalty. One such area gaining momentum is domestic freight transport and logistics.
Liability at every stage, not just on the road
Domestic freight operations, with their growing operational complexity, place broad legal liabilities on carrier companies. Carriers can be held directly liable not only for the delivery of the loads they carry or accidents on the road, but also for damage or total loss occurring during loading, transshipment and unloading. As a result, cargo policies have moved beyond being products quoted from a standard screen and now require serious technical expertise. Agencies that add this expertise to their portfolio move from being mere policy issuers to becoming risk advisers who reduce companies' financial risks.
GIG Sigorta's cargo solutions
The main obstacle facing agencies that want to grow in the cargo line is finding an insurer that offers the right capacity and cover. According to GIG Sigorta (the Türkiye arm of Gulf Insurance Group), the company offers agencies options in this area through solutions developed specifically for domestic freight companies. The company covers carriers' legal liabilities through Domestic Carrier Liability Insurance, while also including loading and unloading risks through additional cover. According to GIG Sigorta, the company offers solutions not only to large fleets but also, through cargo cover, to individuals and businesses carrying out small-scale or single-vehicle transport, giving agencies access to a wide range of customers.
An event announced to address the risks
To meet the need for technical knowledge among agencies looking to grow in the cargo line, a joint event with GIG Sigorta was announced in April 2026. The event was said to address the risks facing agencies and carriers in domestic freight, how these risks can be managed, and field-specific solutions on offer.