# Cargo insurance

Cover for the freight itself while it sits in a carrier's care.

Cargo insurance is separate from the liability policy on the trucks, and buyers routinely assume one covers the other. The limit matters more than the premium: shippers set a minimum before they will tender freight at all, so a limit below what a lane requires is not a savings, it is a class of customer the business cannot serve. Read the exclusions as carefully as the limit, because refrigerated freight, high-value electronics and unattended trailers are commonly carved out of a standard policy and are exactly the freight that pays best.

In numbers: A $100,000 limit is thin for electronics, where one trailer can carry $500,000 of product and the shipper will ask for a certificate before tendering it.

Source: https://searchspheresource.com/glossary/cargo-insurance
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