Written around your freight

A furniture importer, a pecan grower, a parts distributor, and a roofing supplier lose money in different places. Norvalis Group starts each program at the point where your trade breaks, and builds the wording out from there.

Every trade fails in its own place

A sectional sofa fails when the wet carton gets stacked at the bottom. A trailer of peaches fails on a hot dock in August, and a pallet of brake rotors fails when it walks off a yard over a weekend. Roof trusses fail on a curve. Since 2008 we have written cover around those specifics: your commodity, your carriers, your season, and the paperwork your customers demand.

Sector programs

Who we stand behind

Two warehouse workers stretch-wrapping a pallet of furniture cartons before it ships

Furniture & textiles

Case goods from the Carolinas to a port warehouse, upholstery in through Savannah, bolts of fabric out to a mill, mattresses to a regional DC. Crushed corners, wet cartons, a missing carton, a torn arm at delivery: all paid at full invoice value, without reference to the carrier’s per-pound tariff.

Truck driver walking around a semi-trailer for a morning inspection at a depot

Agriculture & food

Pecans, peaches, poultry, and Vidalia onions move on a clock the weather does not respect. Reefer failure, a hot dock, contamination in a shared trailer, and spoilage during a hurricane port closure are covered and settled before the next harvest ships.

Team sorting parcels on a conveyor belt inside a distribution centre

Auto parts & aftermarket

Rotors, alternators, filters, and body panels on daily runs from a distribution centre to dealers and repair shops. A short pallet or a yard theft means a service bay standing idle. We settle it with that bay in mind.

Couriers loading parcels into a van outside a brick Savannah warehouse under live oaks hung with Spanish moss

Building materials & construction supply

Lumber, roofing, HVAC units, and precast on flatbeds to jobsites that cannot wait. Load shift, weather damage in an open yard, a cracked panel at the crane, and theft from a site trailer are written into one program with limits stated in dollars.

Courier carrying parcels along a street lined with cast-iron balconies

E-commerce & retail

Porch theft off a Savannah square, a crushed box at the sort, a mis-scanned return, a peak-season surge spread across four carriers. Protection attaches at checkout and pays full retail, so your support desk stops fighting with carriers.

Drivers carrying parcels to a row of vans in the early morning

Freight forwarders & 3PLs

Goods in your custody are your risk. Cargo and legal-liability cover that stands behind the contracts you sign with shippers, so a customs hold at Garden City or a dropped pallet stays off your balance sheet.

See the forwarder open cover

Behind every program

Built for trades that ship year-round

Any truck, any lane

Cover rides with the goods across parcel, LTL, flatbed, rail, and ocean. Change carriers before peak and nothing in the policy has to change.

Limits sized to your season

Per-shipment limits, annual aggregates, deductibles, and storage sub-limits set from your manifests and your busiest quarter.

Paid inside a month

Ninety-three percent of claims settle within 30 days, with one adjuster on the file from first call to payment. The phone is answered in Savannah.

Tell us what you ship and where it goes

Send your commodities, lanes, carriers, and annual volume. An underwriter who has written your sector before will come back with a program and a price.

Ask about your sector