Protect the shipment story, from pickup to delivery.
Freight is more than a line on a bill of lading. Cargo insurance discussions should reflect what you carry, how it is handled, where it travels, and what your agreements require.
Cargo coverage may address covered loss of or damage to goods while in transit, subject to policy terms. The commodity, packaging, loading, temperature requirements, storage, route, and declared value can all influence eligibility and policy design. Some goods or circumstances may be excluded, restricted, or subject to special conditions.
Carrier liability under a contract is not the same as cargo insurance. Limits, valuation methods, deductibles, unattended vehicle conditions, and claim documentation should be reviewed before a shipment moves. A clear inventory of freight types and handling practices gives an insurance professional a more useful basis for discussion.
Make the shipment details visible
A clear description of your operation makes it easier to discuss relevant options and requirements.
Questions worth asking
A few useful points to bring into a conversation with a professional.
Does Commercial Auto cover damaged freight?
Commercial Auto generally addresses vehicle-related exposures. Cargo coverage is a separate consideration for goods in transit, subject to its own terms and exclusions.
How is insured cargo value determined?
Policies may use different valuation approaches, and the method can depend on the goods and documentation. Confirm the basis, sublimits, and proof-of-value requirements before a loss.
Are all commodities eligible?
No. Insurers may restrict certain goods, handling, routes, or storage conditions. Provide a complete description of what you haul when discussing options.
Request an insurance quote
Share the general details requested to start a conversation about this coverage.
Submitting a request does not activate coverage. Coverage begins when confirmed by an authorized agent or the insurer.