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Insurance Watch
| 题名： | Insurance Watch |
| 正文语种： | eng |
| 作者： | CHRIS RICHMOND |
| 摘要： | I met recently with a client who operates a small water taxi service. I noticed several crates in the bed of his truck and learned that he was transporting them to one of our local islands. While this seemed like an innocent risk to the insured, there was one glaring problem: His policy excluded coverage for cargo. While marine policies have limited coverage for passengers' personal effects, there is often an exclusion attached for cargo. This can be added by an endorsement with a sublimit of coverage, with the premium based on the amount of coverage. Be sure to understand the value of the cargo you are transporting, because your insurance policy will only provide the limits you have paid for. You will also have a separate deductible for cargo claims. A good practice is to have a freight contract with a customer which determines the value of the items to be shipped. This can help avoid any surprises in case of a loss. |
| 出版年： | 2022 |
| 期刊名称： | Work Boat |
| 卷： | 79 |
| 期： | 1 |
| 页码： | 11-11 |
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