What is contingent cargo coverage?

Coverage that can respond when a hired carrier's cargo insurance fails to pay a claim, protecting a broker or shipper. It is a backstop, not a replacement.

Does contingent cargo replace carrier cargo insurance?

No. It backstops the carrier's coverage when that coverage fails. Verifying your carriers carry adequate cargo insurance is still essential. The two work together.

Who needs contingent cargo?

Typically freight brokers and logistics companies arranging transport on others' equipment. The terms vary, so we match it to how you broker freight.

Contingent Cargo - Vantage Point Risk

Contingent cargo insurance.

When a contracted carrier's cargo coverage fails to pay a claim, the broker or shipper can be left exposed. Contingent cargo backstops that gap, but it is not a substitute for the carrier's coverage.

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Contingent cargo coverage can respond when a motor carrier you hired fails to pay a cargo claim, for example due to a coverage gap, exclusion, or insolvency, protecting a broker or shipper. It is a backstop, not a replacement for the carrier's own cargo insurance.

The gap it backstops

When a broker or shipper relies on a contracted carrier's cargo coverage and that coverage fails, an exclusion, a lapse, an insolvent insurer, the loss can fall back on the broker or shipper. Contingent cargo is designed to step in for that situation, protecting the relationship and the freight.

Not a substitute for carrier cargo

Contingent cargo is a backstop, not a primary coverage. It responds when the carrier's coverage should have paid but did not, so verifying that your carriers carry adequate, in-force cargo coverage is still essential. The two work together.

Who needs it

Brokers and logistics companies are the typical buyers, since they arrange transport on others' equipment. The terms, triggers, and limits vary, so the coverage has to be matched to how you broker freight. We confirm it fits.

Contingent cargo insurance.

The gap it backstops

Not a substitute for carrier cargo

Who needs it

Common questions.

Is this coverage right on your policy?

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Backstop the carrier cargo gap.