--- title: "Cargo and Transit Insurance" description: "Cargo and transit insurance with Spot: routes, storage stops and load values in one submission, and proposals compared on valuation, limits and exclusions." canonical: "https://spot.insure/insurance/cargo-transit" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance/cargo-transit) ## Agent Guide **What this page is:** Cargo and transit insurance with Spot: routes, storage stops and load values in one submission, and proposals compared on valuation, limits and exclusions. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Cargo and Transit Insurance Get quotes from cargo and transit insurance providers with Spot. We map your routes for brokers, compare cargo quotes on more than price and help you buy cover for every load you ship or carry. - Every road, air and water leg mapped before you quote - Limits and valuation checked against your largest loads - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=cargo-transit). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us what you ship and where.** Your Spot team describes your goods, typical and largest load values, routes and transport modes, storage locations, how you load and unload and how you secure unattended vehicles, then attaches your transport agreements. 2. **Find out who has to insure the goods.** Send your sales or transport contract. Spot checks who has to arrange insurance under the agreed terms, and whether you’re insuring goods you own or your responsibility for someone else’s, before anything goes to market. 3. **Compare cover for each part of the trip.** After brokers shop the submission, we show which legs and storage stops each proposal includes, its limits, valuation terms and deductible, and whether it excludes delay or loss of market. 4. **Get proof of cargo coverage for a customer.** A customer or logistics partner may want proof of cargo coverage before handing over a load. Ask in Slack, and your Spot team works with your broker to get the certificate ready. ## Who we help - **Manufacturers and wholesalers shipping their own goods.** Your stock is exposed from the moment it leaves your floor, through every leg and stop on the way to the customer. - **Exporters.** The shipping terms you agree with an overseas buyer decide who arranges cargo insurance, and a single sale can travel by water, air and road. - **Carriers and logistics firms.** You answer for someone else’s goods under a transport contract, which is a different interest from owning them. - **Shippers with seasonal or high-value loads.** One load can be worth far more than the usual, and the limit has to fit the largest one. - **Shippers of refrigerated goods.** Underwriters ask how you handle refrigeration, and each proposal can treat a temperature-controlled load differently. ## When to get this coverage - **You’ve agreed a sale with an overseas buyer.** The shipping terms decide whether you or the buyer arranges cargo insurance. Confirm which before the goods leave. - **You’re adding a warehouse or terminal stop.** Goods waiting between legs may fall outside the quote. Ask which storage locations and periods it includes. - **You’ve signed a new transport contract.** The contract can change how much of a loss you bear and how the goods are valued. Hold it up against your limits and valuation terms. - **Your loads are getting bigger.** A new product line or a seasonal peak can push your largest load past the cargo limit you bought for ordinary shipments. ## Common questions Also known as cargo insurance, transit insurance, goods in transit insurance, motor truck cargo insurance, freight insurance, marine cargo insurance and shipping insurance. ### Does cargo insurance pay if a shipment arrives late? It may not. Delay and loss of market can be excluded even when physical damage to the goods is covered. Spot checks each proposal’s wording on delay. ### Is the truck covered under cargo insurance? No. Cargo protection concerns the goods. Physical damage to the truck carrying them is a separate coverage, which Spot can compare alongside. ### Will cargo insurance help if an overseas buyer doesn’t pay? No. Nonpayment is a trade-credit insurance question, a different risk from physical loss. Spot keeps the two comparisons separate. ### I’m a carrier. How is my cargo cover different from a shipper’s? You’re insuring your responsibility for someone else’s goods under a transport contract, not goods you own, which trucking companies usually insure as motor truck cargo. Spot states that interest in your submission so proposals match it. ### Which shipment details do brokers need for a cargo quote? They need a description of the goods, your typical and largest load values, routes and modes of transport, storage locations, how you load, unload and secure vehicles, any refrigeration, and your transport or sales agreements. ## More - [Business Insurance by Coverage](https://spot.insure/insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance/cargo-transit.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)