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Cargo Insurance & Freight Insurance

The ability to move products from one place to another is the backbone of our entire economy. Whether you're moving products from a port to a store for sale, helping people move between homes, or transporting raw materials for manufacturing, you know how important it is to get the job done safely and on time. However, without cargo insurance and freight insurance, your business could be at risk if any of your trucks is involved in a serious collision.

You already know how important it is to complete a job correctly. From ensuring loads are packed securely to recruiting safe drivers, you're constantly invested in making your business the best it can be. Dreher Insurance Agency can help make sure your efforts are protected, and that if something does go wrong, you'll be able to continue operating.

Cargo Insurance Coverage—What's Covered and What's Excluded

Most cargo that is shipped under a proper bill of lading will be covered by your cargo insurance. Major exclusions include, but are not limited to:

  • Alcohol, Tobacco, some medicines, and any illegal drugs
  • Currency and Valuables (especially art, jewelry, coins, and cash)
  • Items considered dangerous (acids, explosives, or radioactive items, including some fireworks and other celebratory products)
  • Living creatures
  • Anything owned by your company

If you plan to ship anything excluded from cargo insurance, it may be covered by another policy (especially if you own the items in question). Otherwise, you can talk to one of our agents about alternatives for cargo insurance and freight insurance that can actually cover the transportation of high-risk items.

Freight Insurance Coverage—Large and Small Freight Shipping Coverage

Your shipping volume is a major factor in finding just how much insurance you need. In 2014, there were over 400,000 collisions involving large trucks, which comes out to over 1100 collisions every single day. The majority of these incidents are not the fault of the commercial truck driver, but the simple truth of the matter is that they do occur on a regular basis.

It's also important to note that collisions are not the only forms of loss—theft is a major problem in some areas, and average losses approach a quarter‑million dollars per incident.

Larger trucking companies require more insurance in case there are problems with multiple vehicles, such as thefts from multiple trucks parked in one place. Even smaller companies are at risk, though, making cargo insurance and freight insurance one of the most important defenses of any hauling company.

 

1. "Large Truck and Bus Crash Facts 2014." Federal Motor Carrier Safety Administration. Accessed April 20, 2016. https://www.fmcsa.dot.gov/safety/data-and-statistics/large-truck-and-bus-crash-facts-2014.

2. "Truck Stats." Trucking Statistics. Accessed April 20, 2016. http://www.truckinfo.net/trucking/stats.htm.

3. "Average Truck Cargo Theft worth $232,924 in 2014." Accessed April 20, 2016. http://www.businessinsurance.com/article/20150310/NEWS06/150319974.

Our Location

Dreher Insurance Agency

551 Main St
Stroudsburg, PA 18360
Main office: 272-268-7039
Toll free: 800-931-4455
Fax: 570-421-5570

Our Providers

Testimonials

Dreher Insurance Agency has great customer service and even better experience with their services. They do some of the best work.

Alexander M
When I call I always get to speak with a live, friendly, helpful person. I love this about Dreher. I feel like every interaction is personable.

Michael D
Everyone at Dreher Insurance is very accommodating. They are patient and answer all of my questions. I am grateful for their high quality services.

Ash S
I strongly recommend Dreher Insurance Agency to everyone becuase they take care of everything. They take care of my homeowners, business, auto and life insurance. They are great at communicating and keeping me up to date.

Anna E
For years I have been using Dreher Agency for my personal insurance needs, and recently moved some of my business insurance to them. I can't say enough about customer service, always handle my needs quickly and correctly, the 1st time. Would definitely recommend.

David J
I have worked with Dreher Insurance Agency for a long time. I really love the in house service and how quickly they get back to regarding any questions or concerns I might have.

Christina F