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Cargo Insurance

› Trucking Insurance › Cargo Insurance

July 6, 2011, by Southern States Insurance


Cargo insurance coverage does not come standard on your commercial trucking insurance policy. And, that is exactly what you need in order to cover the load you are hauling. Even if you purchase “full coverage insurance” on your auto policy, it still will not cover your freight if it is damaged or ruined. Let’s take a closer look at how cargo insurance works.


What Is Cargo Insurance Coverage?

Cargo insurance is a separate policy that covers the freight you are hauling. Cargo insurance will cover lost, damaged, or stolen freight. Considering that many truckers haul loads that are worth tens of thousands of dollars, you can understand why this coverage is so important. Plus, many contracts require that you carry cargo insurance to protect their property while it is in your care, custody, and control.

Theft Coverage

It is extremely important to make certain that your cargo insurance does not exclude theft. In 1999, the Department of Transportation released a report stating that the direct and indirect costs of cargo theft were between $20 and $60 billion per year. So, confirm that your cargo insurance includes theft, and also ensure that you have the appropriate amount of insurance to cover a cargo theft.

Additional Coverages

Cargo insurance policies often come with some built in coverages that may come in handy like coverage for pollutant cleanup and removal, freight charges, and even defense costs. Be sure you ask your independent insurance agent if the quotes they’re getting for you include those things.

Conclusion

Not having cargo insurance can leave you paying some pretty hefty out-of-pocket costs if something happens to the freight you’re hauling. Our can carry the burden of that cost by providing you with the cargo insurance coverage you need. We want to help you succeed. To learn more about buying cargo coverage, call us today at (888) 971-6304.

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