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My trucker has insurance. Why do I need FreightGuard coverage when the trucker has Motor Truck Cargo Insurance in effect?
Can I buy insurance and transfer coverage to my consignee?
I need to change details in the Evidence of Insurance.
How do I file a claim?
Who is the insurance company?
My trucker has insurance. Why do I need FreightGuard coverage when the trucker has Motor Truck Cargo Insurance in effect?
Truckers carry Motor Truck Cargo Liability insurance for the cargo they carry, but this coverage is limited in the protection it provides for cargo shippers.
Trucker's insurance protects the trucker, not the cargo shipper. It will pay only if the trucker is "legally liable" for the loss or damage to the cargo.
The trucker's liability policy will often have limitations on the value of the load, type of commodity, time of day of the loss, and whether the truck driver was "attending the vehicle" at the time of the loss. It may also restrict or exclude coverage for theft. Truckers can also limit their liability to a shipper under a tariff to as little as $0.50 per pound. Also, trucker insurance may or may not be paid-up and in full force at the time of your loss.
Cargo insurance through FreightGuard.com is a significantly broader form of insurance called "direct physical damage" insurance. Coverage is in the name of the cargo owner. The trucker does not have to be liable for our insurance to pay. With FreightGuard, when a claim occurs you don.t have to prove who was responsible for the loss or damage in order to be reimbursed.
Unless you receive a complete copy of the trucker's Motor Truck Cargo Policy and evaluate that policy, you really don't know what is covered and what is not.
You can't afford to take that chance. Be sure to review the FreightGuard Policy and compare this to any Motor Truck Cargo Policies you can actually get from the Trucker. You'll see the safe bet in moving your freight is FreightGuard!
Can I buy insurance and transfer coverage to my consignee?
The cargo insurance Evidence of Insurance you purchase through FreightGuard.com provides that claims are payable to the "Assured or order". This means that the named insured on the Evidence of Insurance may endorse the original document over to the consignee. The consignee then becomes the bearer of the insurance document and is able to file a claim directly with the insurance company.
I need to change details in the Evidence of Insurance.
Once a certificate is printed, it cannot be changed but must be voided and reissued. Please click here to request a void and reissue.
How do I file a claim?
Each Evidence of Insurance contains full claim filing instructions printed on the second page, including full contact information.
Who is the insurance company?
RLI Marine is a comprehensive marine insurance facility with the capacity to offer a full array of marine products. Overall, RLI has developed a reputation for profitably covering difficult risks typically shunned by larger multi-line insurers. Known for original products, superior service and aggressive implementation of cutting -edge technology, RLI remains a model of fundamentally sound innovation for the insurance industry.
RLI, a specialty insurance company, offers a diversified portfolio of property and casualty coverages and surety bonds serving niche or underserved markets. RLI operates in all 50 states from 23 office locations. The company's talented associates have delivered underwriting profits in 25 of the last 29 years, including the last 10. RLI's insurance subsidiaries - RLI Insurance Company, Mt. Hawley Insurance Company and RLI Indemnity Company - are rated A+ Superior by A.M. Best Company and A+ Strong by Standard & Poor's.
RLI Insurance Company
9025 N. Lindburg Drive
Peoria, IL 61615
(309) 692-1000
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