Written for the things you sell

A ceramics studio, a bike shop, a coffee roaster, and a frozen-dumpling brand do not lose goods the same way. Northgate Hub writes cover for each trade in the words its owners use when they describe a loss.

Every trade breaks differently

Stoneware chips at the corners. A hoodie order goes missing off a porch, a pallet of sauces warms up on a dock, and a bike frame arrives with a dent that only shows once it is unboxed. Since 2010 we have listened to how small businesses lose goods and written cover around each trade: what you ship, who carries it, how it is packed, and what you need back to keep trading.

Sector programs

Who we cover

Two warehouse workers stretch-wrapping a pallet of boxed ceramics

Ceramics & fragile goods

Mugs, planters, glassware, and framed prints from studios and small makers. We pay for breakage as well as outright loss, and we do not ask you to prove the carrier was at fault. Pack it well and ship it; the chipped corners are our problem.

Team sorting parcels on a conveyor belt in a fulfilment centre

Direct-to-consumer apparel

Thousands of small parcels a month, every one of them somebody’s order. Porch theft, bags that go missing at the sort centre, wet mailers, and peak-season carrier mix-ups are covered at full retail value. There is a checkout add-on if you want customers to carry the cost.

Driver inspecting a refrigerated truck in the depot yard at sunrise

Food & drink producers

Sauces, coffee, frozen dumplings, cases of wine. Cover for spoilage when a chilled truck runs warm, for breakage in glass, for leaks that ruin a whole case, and for shipments that miss their window and cannot be sold. Claims are paid fast enough to keep production going.

Courier with an armful of parcels next to a van under palm trees

Bikes & e-bikes

A frame arrives with a hidden dent; a battery is refused mid-route and disappears. We cover complete bikes, frames, wheelsets, and components door to door, including e-bike batteries where the carrier’s own liability stops.

Couriers loading parcels into a van on the sunny Oakland waterfront, palms behind them

Importers from Asia via Oakland

Shared containers from Shenzhen, Ho Chi Minh City, Taichung, or Busan arriving at the Port of Oakland. One policy from the factory gate through the ocean leg, customs, the port, and the truck to your warehouse, so nothing is uncovered when the forwarder’s cover ends.

Drivers carrying parcels to a row of vans in the yard at first light

Independent forwarders & 3PLs

Small logistics firms whose customers expect them to make things right. Open cover for the goods you handle and a per-shipment certificate you can hand to clients, priced so you can quote it alongside the freight.

See the programs behind it

The same promise for every trade

Small-business cover, kept short

Ship with whoever is cheapest

USPS today, a regional courier next month, a freight forwarder for the container, an LTL pallet at Christmas. The policy follows your goods whichever of them you choose.

Priced from your own numbers

Tell us your average order value, monthly volume, busy months, and main routes. Your rate and limits come from those figures, and they change when your numbers do.

Paid within 30 days

95% of claims settle within a month. You get one handler and a short document list, and the phone number reaches a person.

Tell us what you make and where it goes

A few lines about your products, your monthly volume, your carriers, and your main routes is enough. Someone who insures businesses like yours will reply with a plain quote within a working day.

Get a quote for my trade