Cargo Insurance Coverage Analyzer
Find where your cargo insurance could leave you exposed — before a claim proves it.
Compare your operation, freight, and current cargo limits to identify coverage gaps and questions worth asking your insurance agent before renewal.
Your Operation
Your Coverage Review
Coverage Review Score
Select your inputs
Complete the operation details and click Analyze Coverage.
Potential Coverage Gap
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Cargo value minus current cargo limit.
Key Coverage Areas To Review
Your coverage review will appear here
Complete your operation details and click Analyze Coverage to receive your personalized cargo insurance review.
Questions To Ask Your Agent
Next Step
Review your entire policy before renewal.
Use the Insurance Renewal Checklist to review limits, exclusions, certificates, claims history, and renewal quote details before you sign.
Insurance Department
Confused by your policy terms?
Ray’s insurance guide breaks down what operators are actually covered for — and what they’re not.
Insurance Department Insight
Ray “Show Me the Contract” Kowalski
Most operators assume their cargo policy covers what they haul. Often, it doesn’t — at least not completely. The biggest exposure is not always the cargo limit itself. It’s the exclusions, endorsements, and claim conditions that nobody explained when the policy was purchased. Temperature deviation, theft restrictions, loading and unloading operations, high-value commodities, cross-border freight, and oversize loads can all create coverage gaps that only become visible after a claim is filed.
This analyzer highlights the areas that deserve a hard conversation with your agent before renewal, not after a loss. A few minutes reviewing the right questions today can prevent a very expensive surprise later.