Protect your cargo and your business
Cargo Insurance provides coverage for goods while they are in transit, helping manage transportation risks and protect your business from losses.
Standard coverages
& limits
$50,000+
Small Shipments
$250,000+
Standard Domestic Freight
$1,000,000+
High Value Cargo
$100,000+
Ocean Cargo
$100,000+
Air Cargo
$100,000+
Motor Truck Cargo
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements
& optional coverages
Standard Cargo policies cover the basics and endorsements let you extend, customize, or raise limits to match your specific business risks.
Loading and Unloading
Extends coverage during loading or unloading operations.
Warehouse or Terminal Storage
Covers cargo temporarily stored before, during, or after transit.
Spoilage
Protects perishable goods against covered deterioration or contamination.
Additional Insured
May be required by contracts, lenders, or customers.
Cargo Theft:
Broadens protection for theft-related losses, subject to security requirements.
Worldwide or Expanded Territorial Coverage
Extends protection to additional countries, routes, or transportation methods.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Cargo type, Value, and Fragility
Higher value, fragile, or high-risk cargo generally increases premiums due to greater potential severity and loss likelihood.
Shipping Method and Carrier
Shipping methods and carrier reliability influence premiums, with riskier transportation increasing rates due to loss.
Claims History
Past claims signal future risk, often raising premiums for businesses with frequent losses.
Coverage Limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Origin, Destination, and Transit Route
Higher risk origins, destinations, and transit routes increase premiums because theft, weather, political, and hazards intensify.
Packaging and Loss Prevention Measures
Strong packaging and loss prevention measures reduce damage and theft risks, potentially lowering cargo insurance premiums.
Who needs Cargo insurance?
Importers and exporters.
Trucking and transportation companies.
Companies whose contracts require cargo coverage or specified liability limits.
Businesses regularly shipping high value goods.
Freight forwarders and logistics companies.
Compare quotes from multiple carriers.
HOW IT WORKS
Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
Obtain Your Coverage
Choose the plan that fits and get protected the same day.
Coverage starts immediately