Our Products & Services
Frieght & Cargo Potection Insureance
Comprehensive Coverage for Every Load You Carry
Comprehensive Cargo Insurance Coverage
Protecting Your Freight Every Mile
Cargo insurance, also known as freight or inland marine insurance, offers crucial financial protection for motor carriers transporting freight and goods on behalf of clients. It shields against damages to freight and cargo caused by accidents, fire, and other road-related perils, including collisions and impact from your load.
This coverage applies when your cargo is damaged or lost during transportation under a bill of lading or shipping receipt. It ensures protection while the cargo is being loaded, transported, unloaded, or even waiting for the recipient at a terminal or dock.
Key Products & Services Offered:
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Alternative Risk Programs
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Auto Liability
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Cargo Coverage
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Claims Services
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Excess Policies
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General Liability
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National Accounts
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Owner-Operators
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Physical Damage
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Safety & Risk Control
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Specialty Coverages
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Workers Compensation
Why Choose Cargo Insurance?
Cargo coverage can vary greatly among insurance carriers, and often the exclusions are just as important as the coverage. At iAgency, we provide Broad Form Cargo Insurance, meaning we cover many risks that other insurers may exclude.
Our Cargo coverage includes:
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Unrecoverable Freight Charges – Coverage for charges you can't recover after a loss.
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Loss Recovery Expenses – In addition to your policy limit.
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Pollution and Clean-Up Expenses – Up to $10,000 beyond your policy limit.
Our Cargo insurance does not exclude the following:
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Alcohol products
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Cargo in transit for more than 72 hours
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Consumer electronics
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Marring, scratching, packing, and rough handling (unless caused by shipper error)
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Wet loads
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Mysterious disappearance or theft (with added Infidelity/Dishonesty Extension)
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Refrigeration breakdown or spoilage
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Fraud or trick-induced cargo loss
iAgency Cargo coverage does not require:
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Cargo to be attended at all times
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Coinsurance penalties for underinsurance
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A locked vehicle warranty
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Equipment maintenance or tarped load warranty
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Reduced limits for specific commodities
Customize Your Coverage for Your Operations
Talk to your iAgency agent today to tailor your Cargo coverage to fit the unique needs of your trucking business. Some additional coverages to consider include:
Hired Auto Cargo Coverage
Extend your Cargo protection to rented or borrowed vehicles. This includes when:
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You rent or borrow another unit.
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You engage a trucker with limited Cargo insurance to haul part of your load.
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You let another carrier "trip lease" freight under your authority.
Infidelity/Dishonesty Coverage
Protect your business against losses due to dishonesty by employees or drivers, covering cargo while in transit or on a truck or trailer.
