A specialized form of Inland Marine coverage provides protection for property while in transit. Such property can include coverage for an owner's property or property of others in the care, custody or control of a carrier.

Acts of God Perils Included
Because most Motor Truck Cargo forms used by truckers are legal liability policies; flood, earthquake, windstorm and other acts of God are often not covered. This endorsement is used to extend the basic Cargo form to provide coverage for one or more of these specified perils on a non legal liability basis. Back to top

Breakage Coverage
This endorsement is used to extend the Motor Truck Cargo policy to include loss from breakage such as resulting from trucks bumping over roadbeds, curbing, etc. Back to top

Broadened Definition of In-Transit
A Cargo policy can be written to include coverage for property while in due course of transit. This is important since many standard policies only provide coverage for shipments that are actually being transported. This could mean that all related activities, i.e. loading of vehicles, temporary overnight stops on long trips or temporary storage would not be covered. Back to top

Broadened Property Definition
Standard Transit policies limit coverage to items that principally consist of property described in the definition. This limitation can deny coverage for several types of important incidental shipments such as machinery or equipment used in repairs, customer's property, etc. The policy can be modified to broaden its definition to include not only property defined within the basic definition, but all other property usual or incidental to your business. Back to top

Collision of Load Coverage
This endorsement is used to extend the Motor Truck Cargo policy to include loss resulting from your truck's load hitting another object, rather than impact from your truck itself. This is especially important for carriers providing shipping with open trailers. Back to top

Consigned Property Coverage
This endorsement is used to extend the Transit policy to include coverage for shipments made FOB (point of sale) when you assume responsibility for loss of such shipments by contract with the customer. This is important since even though normal FOB shipments are handled by the consignee's policy, you may inadvertently assume liability in a contract with your customer. Back to top

Contingent Cargo Income
This coverage is used to provide protection against income loss that results from damage to or destruction of critical raw materials, merchandise or equipment while it is being shipped to you. Back to top

Debris Removal Costs Included
This endorsement is used to extend the Motor Truck policy to include a specified sublimit amount for removal of debris or damaged cargo
resulting from a covered loss. Back to top

Earned Freight Charges
This endorsement is used to extend your Cargo policy to provide reimbursement for payments of earned freight charges that are rendered uncollectible due to the refusal of consignees to accept shipments because they have been lost or damaged by a covered peril. Back to top

Earthquake Coverage
This coverage is used to extend your policy to provide protection against loss due to earth movement including earthquake shocks and
volcanic eruption. Back to top

Extended Perils Coverage
Standard cargo insurance does not always provide the breadth of protection required in some situations. One or more endorsements can be added to your policy to provide needed additional coverage. Back to top

Flood Coverage
The coverage is used to provide protection against loss due to damage by flood as specified in the form. Back to top

Fraudulent Delivery Coverage
This endorsement is used to extend your Cargo policy to include coverage for loss resulting from your voluntary parting of property by trick, scheme or device. Back to top

Handling of Goods Coverage
Most Cargo policies contain provisions related to the packing or handling of goods. Depending on the nature of the commodities you are hauling, it can be desirable to eliminate those that may be especially relevant. Back to top

Intermodal/Piggyback Coverage
This endorsement is used to modify your Cargo policy's definition of coverage to provide protection for shipments in specified situations other than "while in or on a described vehicle owned by you". Back to top

Livestock, Poultry Coverage
This endorsement is used to extend your Cargo policy to include coverage for specified live animals while being shipped by you. This is needed because standard Cargo forms exclude coverage for loss of live animals including livestock and poultry. Back to top

Loading and Unloading Coverage
The Motor Truck Cargo policy can be extended to cover cargo while being hoisted or carried into a building or lowered from a building. This is important since without this extension, loss resulting from unloading or loading would not be covered. Back to top

Loss Valuation Modified (not under invoice)
When you ship property that is not under invoice, your policy covers such items on an actual cash value basis. Unfortunately, loss of profit or labor costs are not included in this definition. We can modify the contract for finished goods and stock in process to pick up the cost of these xpenses in case of loss. Back to top

Loss Valuation Modified (under invoice)
Your policy's valuation in case of loss does not include prepaid freight charges or other costs that may be due on shipments. To ensure that adequate protection is provided, we can modify the policy's valuation definition to include an additional allowance (10%) to cover these and auxiliary expenses occasioned by a loss. Back to top

Motor Truck Cargo - Combined Form
This policy is used to insure merchandise belonging to you or for which you may be liable. It protects against direct loss or damage caused by a covered peril while the merchandise is in transit on a described vehicle within the covered radius. Coverage also includes protection for merchandise while it is temporarily warehoused awaiting transfer to its final destination. Back to top

Motor Truck Cargo - Legal Form
This policy is used to insure you, as a common or contract carrier, against your legal liability for loss or damage to merchandise of others while it is loaded for shipment and in transit in or on a covered vehicle. Back to top

Motor Truck Cargo - Owners Form
This policy is used to provide coverage for your property while in transit to you or while enroute to your customer. It insures all types of your property as long as it belongs strictly to you. Back to top

Movers Equipment Coverage
This coverage is used to protect against loss to covered ropes, pads, dollies, packing materials, forklifts and other scheduled equipment while on or off premises that are used to move or store property. Back to top

Moving and Storage Cargo Coverage
This coverage is used to protect the goods of others while they are shipped until final destination including any temporary warehousing. Back to top

Mysterious Disappearance
The Transit policy can be broadened to include coverage for loss due to non-delivery by a carrier (to which your shipment has been entrusted) as long as such failure of delivery is the proximate cause of any resulting losses. This is important since standard Transit policies exclude losses resulting from unexplained loss or mysterious disappearance in transit. Back to top

Named Perils Coverage
This coverage is used to protect your covered property against direct loss arising from one of the perils listed in your policy. To recover, you must prove that the loss was caused by one of these listed perils. Back to top

Ocean Marine Cargo Coverage
This policy is used to provide coverage for property you ship overseas while within the described territory and for the limits and perils declared on the form. Back to top

Precious Commodities Coverage
This endorsement is used to extend your Cargo policy to include coverage for loss of jewelry, art, gemstones, money, precious metals, manuscripts or other listed items of a valuable nature. This extension is necessary since standard policies either exclude or limit coverage for property of this kind. Back to top

Product Spoilage Coverage
This endorsement is used to extend your Cargo policy to include coverage for loss to perishable products due to refrigeration breakdown. This is needed since most standard Cargo forms exclude protection for this kind of loss. Back to top

Returned Shipments Coverage
The Transit policy can be extended to include coverage for any returned shipments that have been refused by consignees. This is important since these costs can be substantial for large shipments and are not normally covered by standard policies. Back to top

Special Perils Coverage
This coverage will protect covered property against direct loss arising from any cause not specifically excluded. The advantage of form is that your insurance company must prove that a loss is specifically excluded in order to deny coverage under the policy. Back to top

Tarpaulin Coverge
This endorsement is used to extend the Motor Truck Cargo policy to include automatic protection for miscellaneous equipment used to protect or tie down your cargo. The amount covered is a sublimit amount listed on your declarations page.Back to top

Terminal Coverage
This coverage is used to extend your Transit policy to cover goods while being unloaded and held temporarily at a terminal for shipping to final destination. Back to top

Transportation Floater
This policy is used to cover your property while in transit to you or while enroute to your customer by common carrier. The form provides coverage when a carrier's limit of liability is exhausted, or when the carrier is not responsible because loss is caused by a peril, or for limits not covered under a released bill of lading. Back to top

Trip Transit Coverage
This policy is used to provide coverage for goods you ship on a one-time basis. Back to top

Warranty Provisions Reviewed
Besides exclusions, Cargo policies may also contain warranties which spell out certain conditions which must be maintained for coverage to
stay in effect under your policy. Back to top