Month: September 2026

Let’s imagine this: you’re shopping for cargo insurance, and you come across the all-risk policy. You might think that you have everything that you need. But something happens. You go to file a claim, and you find out that you’re not covered for that specific event. This is not uncommon. While the name does seem to indicate you’re covered for all risks, that’s not quite the case. We’ll help you understand what kind of exclusions exist for this policy so you know what you need to purchase ahead of time. Ready to start shopping for cargo insurance? We’re here to help at Choice One Insurance Inc., serving Portland, OR, and surrounding areas. 

What Notable Exclusions of All-Risk Cargo Insurance Should I Be Aware of? 

All-risk policies have quite a few exclusions that you’ll need to be aware of, both to avoid potential claim denials and to ensure you have the right coverage so that you don’t have to worry about something going wrong that you can’t fix. These exclusions include: 

• Naturally spoiling or deterioration of goods, which is a common-sense exclusion. 
• Financial losses or delays caused by late shipment arrivals. 
• Willful misconduct (think fraud or intentional wrongdoing) either on your part or on the part of your employees. 
• Poorly packaged or poorly secured goods that led to cargo damage. 
• Issues caused by wars or riots (or similar situations). 
• Natural wear and tear. 

If you want to make sure you’re fully prepared for any situation, you can speak with providers and shop around for add-ons to see how you can maximize your coverage and get the most support for your precious cargo. 

Get Covered With Choice One Insurance Inc. 

If trying to hunt down estimates and figure out how to get the best deal seems challenging, you can always rely on us at Choice One Insurance Inc., serving Portland, OR. Contact us today to request a quote!