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Cargo Insurance & Freight Insurance in Gallipolis and Jackson, OH

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. Saunders 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

Saunders Insurance Agency

437 2nd Ave
Gallipolis, OH 45631
Main office: 740-443-4034
Toll free: 800-689-5103
Fax: 740-446-4719

Our Providers

Testimonials

SIA has always given me the personal attention that I expect from my local insurance agency. Whether it be on finding a better rate with an equal or better policy or filing a claim, they have always made me feel like I was a top priority. Anytime I've had a question concerning my policy/coverage my questions have been answered promptly.

Gary Phillips
Saunders Insurance Agency has always been amazing in assisting with all our insurance needs. Both our home and auto policies are through Saunders Insurance and I highly recommend them for any insurance necessities. They're always super quick to reply to any questions or concerns that we may have which is hard to find. Guaranteed lifelong customers!

Heidi McCormick
Saunders Insurance Agency will always make sure you are getting the best coverage of insurance for whatever type you are looking into. They have been in the business for many years and are wonderful to our family. They are always courteous and very dedicated in helping us always. Thank you SIA!

Paula M.
We have trusted our home and auto insurance to Saunders Insurance for many years. Scott Saunders has always provided prompt and knowledgeable attention to our insurance needs. This helps provide security and peace of mind that our property is properly and professionally protected.

Ann & John Caldwell
Our business has used Saunders Insurance for the past 27 years. It's a great company with an experienced staff.

Jenny Shirey
Saunders Insurance Agency has highly professional and courteous agents! They work hard for their customers to provide the best options and pricing for insurance needs! Our whole family chose John and Scott to work with when purchasing new cars - they are great! No stress or high pressure-just what you need!

Fred & Charlie Workman
Scott along with the entire agency was very helpful and precise in processing my claim. It was a big weight off my shoulders as far as processing the claim and getting the claim settled in a timely manner. The diligence that Scott exuded on my claim should be commended. I was very happy and satisfied with the service that SIA provided.

Brad Warnimont
Saunders Insurance Agency was so helpful when we had water damage in our home. They handled our problem quickly and was always there if we had questions. Thank you Saunders Insurance Agency.

Kylie Johnson