18-Wheeler on Wet RoadsYour trucking company has a goal of delivering a client's goods to different locations.

That's why your business is highly dependent on its reputation for safe transportation. You need to deliver cargo and orders safely and efficiently.

Your clients want to know that you will get their goods to their destinations safely. But, what if goods don't arrive in good order?

Perhaps a trucker has an accident that damages or destroys cargo. Your clients or local law may hold the trucking company liable for the damages to the cargo. The company may have to compensate its clients or even the cargo recipients for the lost costs.

The severity of cargo losses is nothing to take lightly. You should prepare to cover the potential for losses. Cargo insurance should be an important part of your commercial trucking insurance package.

Which Items Are Covered By Cargo Insurance?

Your comprehensive and collision liability coverage usually only cover the cab and trailer of the truck. In some cases, they can cover certain aspects of cargo loss. However, comprehensive and liability coverage don't always cover cargo.

A cargo insurance policy can cover the specific cargo within the trailer. This coverage will provide assistance in case you are liable for cargo loss or damages.

When Doesn't Cargo Insurance Apply?

Cargo insurance will not cover damages to your trailer or cab. Additionally, cargo insurance may not cover every type of cargo in your trailer. Some items or types of damage might have exclusions. Additionally, you may have to meet certain packing, storage and safety practices to avoid negligent damages that could cost you a claim.

One way you could lose value on your insurance is by not having appropriate levels of coverage. The value of your loads change from transport to transport. You should ensure that you have enough coverage to replace a full trailer of your most expensive average load.

We are here to help you pick a commercial trucking plan that is right for you. Call Heritage Insurance, LTD at (800) 667-7640 for a free Moose Jaw SK trucking insurance quote.
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