Transportation Insurance
Insurance coverage designed to meet transportation industry demands and regulations.
The transportation and logistics industry is being reshaped by globalization and technological advancements. While these developments offer new growth opportunities, they also bring complex challenges such as cyber threats, evolving regulations, and intensified competition. Rising costs in labor, fuel, and insurance further strain transportation companies. At Halpenny, we understand these pressures and provide customized risk management solutions to safeguard your business. Whether you’re involved in cross-border freight, resource hauling, or last-mile deliveries, our expertise ensures your operations remain resilient and cost-effective amid these changes.

Transportation Coverage Types
Extensive transportation coverage options for dependable and regulatory-compliant operations.
Transit/Cargo
Marine Liability
Aviation Liability
Property
Property covers your physical assets including buildings, contents, electronics, inventory, machinery and equipment when damaged by perils such as fire, flood, windstorm, or earthquake. It can cover the cost to repair or replace the damaged property for Replacement Cost or Actual Cash Value.
Actual Cash Value (ACV) covers the cost to repair, rebuild or replace with like kind quality LESS: Depreciation (wear & tear).
Replacement Cost Value (RCV) covers the cost to replace with a new, similar product of like kind and quality.
For example, a fire occurs on your premises and damages a laptop purchased 5 years ago for $2,000.
ACV – you will be reimbursed the value of a 5-year-old laptop in the same conditions as the one destroyed in the fire. In this, case, the settlement may be $500.
RCV – you will be reimbursed for the value of a new laptop of like kind and quality that was destroyed in the fire. In this, case, the new laptop of the same specifications costs around $1,500.
Cyber
This covers claims of financial loss due to a cyber attack or privacy breach. It should include both first party (breach response, loss of income, systems restoration, ransomware, data restoration) and third party (privacy liability, network security liability, regulatory liability) coverages.
Crime
Crime coverage helps protect against criminal acts committed by employees and certain types of fraud committed by third parties such as credit card forgery or alteration, computer fraud and theft, stealing and embezzlement, destruction of property, and social engineering.
Commercial General Liability
Covers bodily injury or property damage claims from a third party as a result of your business operations. It usually includes personal & advertising injury, products-completed operations and can include extensions for tenant’s legal liability and medical payments.
Commercial Automobile / Fleets
Covers physical damage to your commercial vehicles and third-party liability.
A fleet policy applies to a number of vehicles, usually with the requirement that they be under common ownership.
Our Services
Halpenny is dedicated to your business’s success, focusing on building lasting relationships by providing the best coverage and ongoing support.
Protecting your business is our priority, just as it’s yours. Our tailored coverage keeps your employees and assets secure.
At Halpenny, we are committed to the success of your business. Our aim is to build a strong relationship with you by finding the best coverage for your business and support you over the long term. Satisfactory resolution of insurance claims is how we have built our business since 1912. Your business provides a living for you and your family. We can help keep your business and your employees secure.

Build a foundation for commitment with impactful offerings for your staff. Comprehensive programs are a key to drawing in and keeping skilled professionals.
In a competitive job market, investing in an Employee Benefits and a Group Retirement Savings plan helps attract and retain top talent, boosts morale and productivity, and keeps your employees and their families happy and healthy. A valued employee is a productive employee!
In today’s competitive job market, offering Employee Benefits and a Group Retirement Savings plan is more than just a perk—it’s a strategic investment. Such plans help attract and retain top talent, enhance morale, and contribute to the well-being of your employees and their families, fostering a happy and healthy workplace environment.

Brief introduction to individual insurance services for commercial clients
While an employee benefits and group retirement savings plan establishes a solid foundation for your organization and your employees’ financial security and well-being, it’s essential to acknowledge that additional elements may be necessary for comprehensive coverage. A group plan typically addresses collective needs but may not cater to the individual circumstances of each employee. Important options like term and permanent life insurance, disability coverage, and critical illness protection can fill these gaps and enhance overall financial resilience. At Halpenny Group Benefits & Retirement Specialists, we provide a holistic approach to employee well-being, ensuring your organization not only has robust group benefits but also access to personalized solutions that effectively support both the organization and its employees.

Coverage That Reflects Your Unique Lifestyle. Private Client Insurance for Every Stage of Life
Private Client Insurance delivers customized protection for your home, vehicles, and personal belongings, ensuring the security of your family’s most important assets. Our dedicated team provides exceptional service tailored to your unique needs, allowing you to feel confident in your coverage. We understand that emergencies can happen at any time, which is why we offer 24/7 emergency claims service to assist you whenever you need help. With our comprehensive solutions, you can focus on what truly matters, knowing that we are here to support you in safeguarding your future.

Protecting Your Business with Expert Insurance Advice
At Halpenny, we specialize in advising companies to ensure their insurance programs protect their financial interests laying the groundwork for long-term growth and success. As advocates for insurance procurement and risk management, we provide independent advisory services to navigate the complexities of the insurance market with confidence. Our expertise delivers value by reducing exposure to non-coverage exposure while identifying premium-saving opportunities and creating tailored solutions that align with your business goals. Trust Halpenny to safeguard your future with proactive and comprehensive insurance strategies.
