Contingency cargo insurance fills protection gaps when shipper-provided insurance is insufficient or doesn’t cover certain perils. Many shippers carry their own cargo insurance, but their coverage may have limits, exclusions, or gaps that leave you financially exposed. Contingency cargo protects you when shipper insurance fails to fully cover loss or damage, ensuring you’re never left responsible for uninsured freight losses. This specialized coverage is essential for carriers who regularly haul freight under shipper insurance arrangements.
Direct guidance from owner Claudia—not a call center
Auto liability, cargo, physical damage, bobtail, and specialized endorsements in one place.
We help you establish and understand your business structure for optimal coverage.
Serving trucking businesses across the United States with local expertise.
No hidden fees—clear explanations of every coverage option.
Always available when your fleet needs us most.
CTB Insurance LLC is a specialized commercial trucking insurance agency serving the nation from Boca Raton, Florida. With a consultative approach led by owner Claudia, we combine expert knowledge with personalized guidance to deliver comprehensive coverage solutions for trucking businesses of all sizes. From auto liability and cargo protection to physical damage and specialized endorsements, we understand the unique challenges of fleet management and help you navigate every coverage decision with transparency and confidence. Serving trucking companies nationwide with responsive support and tailored solutions, CTB Insurance LLC is the trusted partner for reliable protection and peace of mind.
Contingency cargo insurance covers freight losses when shipper-provided insurance is insufficient, expired, or excludes certain perils. It fills protection gaps and ensures you’re not financially responsible for uninsured cargo damage or loss.
You need it when shippers provide their own cargo insurance but their coverage has limits, exclusions, or gaps. It’s essential if you regularly haul freight under shipper insurance arrangements or accept loads with questionable coverage.
No. Contingency cargo is secondary coverage that activates when shipper insurance doesn’t fully cover the loss. It protects you from exposure when their coverage falls short, not as a primary policy.
It covers cargo losses from accidents, weather, theft, and other covered perils—but only when shipper insurance doesn’t provide adequate protection. Coverage applies to gaps in their policy limits or excluded perils.
Coverage limits should match the typical value of freight you haul under shipper insurance. We review your average loads and shipper coverage gaps to recommend limits that adequately protect your exposure.
