cargo – insuresque

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.

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Standard coverages & limits

Every Cargo Insurance policy is rooted in the same principle — coverage that steps in when everyday driving risks turn into costly claims.

$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.

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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.

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How it works

Complete the Form

Answer a few quick questions about your needs - takes less than 2 minutes

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Obtain Your Coverage

Choose the plan that fits and get protected the same day.

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Step 1 of 3

Company

This field is for validation purposes and should be left unchanged.

Business Name(Required)

Business name

Business Type

Entity type

Name(Required)

First & last name

Type of business

Type of Cargo

What type of cargo do you ship?

Coverage needed

Type of Coverage

Desired coverage limit ($)