Match the freight
Disclose commodities and maximum load values. High-value or restricted goods may need specific terms.
Motor Truck Cargo
Motor truck cargo insurance.
The load, the route and the policy conditions matter as much as the cargo limit.
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What we look at.
Check how a loss happens
Theft, refrigeration failure, unattended vehicles and storage can have different conditions or exclusions.
Read the shipper contract
Liability assumed by contract may exceed the protection in the cargo policy.
Freight in Transit
Legal liability for covered loss or damage to freight, subject to the policy's trigger, valuation and scope.
Theft, with Conditions
Check theft exclusions, unattended-vehicle conditions and any requirements for locks, parking, tracking or verification.
Loading and Unloading
Confirm whether the form covers the handling performed by drivers and other parties at pickup and delivery.
Reefer Breakdown
Temperature change and refrigeration failure may require specific coverage. Review maintenance requirements, excluded causes and deductibles.
Debris Removal
Review the expense limit and covered circumstances for removal of damaged cargo after a loss.
Earned Freight Charges
Some forms provide selected lost freight charges after a covered event. Confirm the trigger and sublimit.
Cargo at Rest
Check terminal storage, temporary stops, accumulation limits and maximum storage periods.
What to bring to a review
Share commodities, maximum load value, refrigeration needs, storage arrangements and key shipper contracts.
Questions & answers
Good questions to ask.
How should we choose a cargo limit?
Compare the highest realistic load and accumulation values with the contract and policy valuation. A commonly requested contract limit is not proof that the amount is sufficient for every load.
Is refrigerated freight covered automatically?
Not necessarily. Review temperature-change and refrigeration-breakdown terms, covered causes, maintenance conditions and sublimits. Obtain confirmation for the actual commodities and handling process.
Does a theft loss always trigger coverage?
No. Commodity restrictions, unattended-vehicle conditions, fictitious-pickup exclusions and other provisions can affect recovery. Confirm that the operational controls can satisfy the policy.
From our journal
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