Hunter Nelson explains that cargo insurance policies often hide exclusions across multiple pages, and labeling a load as general freight doesn't guarantee coverage. Read your policy carefully and work with your agent to find one that actually covers what you haul, or you'll face claim denials.
The stuff that you're doing is you're stepping over pennies to pick, or you're stepping over dollars to pick up a penny, right? So it doesn't just make, it doesn't make sense there. I highly recommend just being aware of that stuff. Cargo policies, like I was saying, have a huge difference on what's excluded on the policy. Some have got lists 2 pages long where the alphabet doesn't even, if it's A, B, C, and D, the alphabet doesn't even contain enough letters to go through all the exclusions of the policy. That's a big deal because if you say, hey, I'm hauling general freight, and you get some things mixed in there that are excluded on the policy, well then you can— your insurance agent should be able to go find another policy that'll cover everything you're hauling for pretty much the exact same price. But some of these cargo policies are littered with exclusions, and if it says it's excluded on the policy, you're not getting a penny at claims time. So it is very, very important to understand this stuff because general freight, or whatever the case is, does not just mean you're covered to haul pretty much anything that fits on a dry van.
