Freight Insurance Canada | Cargo Insurance Coverage

Protect your freight shipments with appropriate cargo insurance coverage. Understand carrier liability limitations and how additional insurance can provide comprehensive protection for your valuable freight.

Carrier Liability Limits

Standard carrier liability is limited - typically $2-$4 per pound for LTL freight and similar limits for FTL. This means a 1,000 lb shipment valued at $50,000 may have only $2,000-$4,000 carrier liability coverage. Additional insurance is recommended for high-value freight.

Cargo Insurance Options

Declared Value: Increase carrier liability by declaring higher value (fees apply). Cargo Insurance: Purchase comprehensive coverage for full freight value. Annual Policies: For frequent shippers, annual cargo insurance policies provide cost-effective coverage. Covers loss, damage, and theft during transit.

Claims Process

Inspect freight at delivery and note any damage on delivery receipt. Document damage with photos immediately. File claim within required timeframe (typically 9 months). Provide supporting documentation (invoice, BOL, photos). We assist with claim filing and follow-up with carriers.

Coverage Recommendations

High-value electronics and equipment: Purchase full cargo insurance. Standard manufactured goods: Consider declared value coverage. Packaged goods with good damage history: Standard liability may suffice. Temperature-controlled products: Ensure coverage includes refrigeration failure.

Key Features

Insurance coverage calculator
Claim filing assistance
Annual policy options
Coverage recommendations by product type
Claims documentation checklist
Contact information for claims

Frequently Asked Questions

How much does freight insurance cost?

Cargo insurance typically costs 0.5-2% of declared value depending on product type, packaging, and shipping history. Declared value coverage has fees based on additional liability assumed.

What is not covered by standard carrier liability?

Standard liability has per-pound limits and typically excludes acts of God, shipper error in packaging, inherent vice of goods, and delays. Additional insurance provides broader coverage.

How do I file a freight claim?

Note any damage on delivery receipt, take photos immediately, and contact us within 24 hours. We'll guide you through the claim filing process and work with carriers on your behalf.

Freight Insurance & Cargo Protection