Cargo Insurance for Total Peace of Mind
Freight is exposed to more risk than any warehouse shelf. Our tiered cargo insurance covers loss, damage, and delay — with claims resolved in days, not months.
Overview
Cargo Insurance at HarborLine Cargo
Carrier liability limits rarely reflect what your cargo is actually worth. HarborLine Cargo offers tiered insurance — Basic, Standard, and All-Risk — so you can insure up to 100% of declared value rather than relying on a carrier's per-kilogram liability cap. Coverage follows your shipment across every transport leg under a single policy, and a dedicated claims adjuster manages any loss from filing to payout.
Declared-value coverage
Average claims resolution
Coverage tiers available
Air, ocean, road & rail covered
What's Included
Everything you need for Cargo Insurance
Tiered Coverage Plans
Choose Basic, Standard, or All-Risk coverage based on your cargo's value and risk profile.
Full Declared-Value Protection
Insure up to 100% of your cargo's declared value, not just the carrier's limited liability.
All-Risk & Named-Peril Options
All-risk covers most causes of loss; named-peril policies target specific risks at a lower premium.
Fast Claims Processing
Submit claims online with photos and documentation — most are resolved within 5–10 business days.
Multi-Modal Coverage
Coverage follows your cargo across every leg — air, ocean, road, and rail — under a single policy.
Dedicated Claims Adjusters
A dedicated adjuster manages your claim from filing to payout, with regular status updates.
How It Works
From booking to delivery
Select Coverage Tier
Choose a coverage level based on cargo value, mode, and risk exposure at checkout or booking.
Declare Cargo Value
Provide accurate declared value so your policy reflects full replacement cost.
Coverage Follows Your Shipment
Your policy is active from pickup through final delivery, across every transport leg.
File & Resolve Claims Fast
If loss or damage occurs, submit a claim online; our adjusters typically resolve claims within days.
Common Questions
Cargo Insurance FAQs
Is cargo insurance mandatory?
No, it's optional but strongly recommended — carrier liability limits rarely cover the full value of lost or damaged goods.
What's the difference between all-risk and named-peril coverage?
All-risk covers most causes of loss or damage unless specifically excluded; named-peril only covers risks explicitly listed in the policy, at a lower premium.
How long do claims take?
Most documented claims are resolved within 5–10 business days once photos and supporting paperwork are submitted.
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