{"id":173,"date":"2026-09-30T12:00:00","date_gmt":"2026-09-30T18:00:00","guid":{"rendered":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/?p=173"},"modified":"2026-09-11T09:45:21","modified_gmt":"2026-09-11T15:45:21","slug":"do-all-risk-policies-have-exclusions","status":"publish","type":"post","link":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/","title":{"rendered":"Do All-Risk Policies Have Exclusions?"},"content":{"rendered":"<p>Let&#8217;s imagine this: you&#8217;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&#8217;re not covered for that specific event. This is not uncommon. While the name does seem to indicate you&#8217;re covered for all risks, that&#8217;s not quite the case. We&#8217;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&#8217;re here to help at Choice One Insurance Inc., serving Portland, OR, and surrounding areas.&nbsp;<\/p>\n<h2>What Notable Exclusions of All-Risk Cargo Insurance Should I Be Aware of?&nbsp;<\/h2>\n<p>All-risk policies have quite a few exclusions that you&#8217;ll need to be aware of, both to avoid potential claim denials and to ensure you have the right coverage so that you don&#8217;t have to worry about something going wrong that you can&#8217;t fix. These exclusions include:&nbsp;<\/p>\n<ul>\n<li>Naturally spoiling or deterioration of goods, which is a common-sense exclusion.&nbsp;<\/li>\n<li>Financial losses or delays caused by late shipment arrivals.&nbsp;<\/li>\n<li>Willful misconduct (think fraud or intentional wrongdoing) either on your part or on the part of your employees.&nbsp;<\/li>\n<li>Poorly packaged or poorly secured goods that led to cargo damage.&nbsp;<\/li>\n<li>Issues caused by wars or riots (or similar situations).&nbsp;<\/li>\n<li>Natural wear and tear.&nbsp;<\/li>\n<\/ul>\n<p>If you want to make sure you&#8217;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.&nbsp;<\/p>\n<h2>Get Covered With Choice One Insurance Inc.&nbsp;<\/h2>\n<p>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. <a href=\"https:\/\/www.choiceoneinsuranceinc.com\/contact-us.html\">Contact us<\/a> today to request a quote!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let&#8217;s imagine this: you&#8217;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&#8217;re not covered for that specific event. This is not uncommon. While the name does seem [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[32,11,12,28,27],"class_list":["post-173","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-cargo","tag-choice-one-insurance-inc","tag-insurance","tag-or","tag-portland"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.2.1 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.2.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Choice One Insurance, Inc |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-09-30T18:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-09-11T15:45:21+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#article\",\"name\":\"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc\",\"headline\":\"Do All-Risk Policies Have Exclusions?\",\"author\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#organization\"},\"datePublished\":\"2026-09-30T12:00:00-06:00\",\"dateModified\":\"2026-09-11T09:45:21-06:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#webpage\"},\"articleSection\":\"Insurance, cargo, Choice One Insurance Inc., insurance, or, portland\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/category\\\/insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#listItem\",\"name\":\"Do All-Risk Policies Have Exclusions?\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#listItem\",\"position\":3,\"name\":\"Do All-Risk Policies Have Exclusions?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/category\\\/insurance\\\/#listItem\",\"name\":\"Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#organization\",\"name\":\"Blog | Choice One Insurance, Inc\",\"url\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"admin\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#webpage\",\"url\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/\",\"name\":\"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/do-all-risk-policies-have-exclusions\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2026-09-30T12:00:00-06:00\",\"dateModified\":\"2026-09-11T09:45:21-06:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/\",\"name\":\"Blog | Choice One Insurance, Inc\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.choiceoneinsuranceinc.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc","description":"","canonical_url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/","robots":"max-snippet:-1, max-image-preview:large, max-video-preview:-1","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#article","name":"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc","headline":"Do All-Risk Policies Have Exclusions?","author":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#organization"},"datePublished":"2026-09-30T12:00:00-06:00","dateModified":"2026-09-11T09:45:21-06:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#webpage"},"isPartOf":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#webpage"},"articleSection":"Insurance, cargo, Choice One Insurance Inc., insurance, or, portland"},{"@type":"BreadcrumbList","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#listItem","position":1,"name":"Home","item":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/#listItem","position":2,"name":"Insurance","item":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#listItem","name":"Do All-Risk Policies Have Exclusions?"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#listItem","position":3,"name":"Do All-Risk Policies Have Exclusions?","previousItem":{"@type":"ListItem","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/#listItem","name":"Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#organization","name":"Blog | Choice One Insurance, Inc","url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/author\/agentinsure\/","name":"admin","image":{"@type":"ImageObject","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"admin"}},{"@type":"WebPage","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#webpage","url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/","name":"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/#breadcrumblist"},"author":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/author\/agentinsure\/#author"},"datePublished":"2026-09-30T12:00:00-06:00","dateModified":"2026-09-11T09:45:21-06:00"},{"@type":"WebSite","@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#website","url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/","name":"Blog | Choice One Insurance, Inc","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Blog | Choice One Insurance, Inc |","og:type":"article","og:title":"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc","og:url":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/","article:published_time":"2026-09-30T18:00:00+00:00","article:modified_time":"2026-09-11T15:45:21+00:00","twitter:card":"summary","twitter:title":"Do All-Risk Policies Have Exclusions? | Blog | Choice One Insurance, Inc"},"aioseo_meta_data":{"post_id":"173","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2026-09-30 18:16:29","updated":"2026-09-30 18:16:29","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.choiceoneinsuranceinc.com\/blog\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/\" title=\"Insurance\">Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tDo All-Risk Policies Have Exclusions?\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/"},{"label":"Insurance","link":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/category\/insurance\/"},{"label":"Do All-Risk Policies Have Exclusions?","link":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/do-all-risk-policies-have-exclusions\/"}],"_links":{"self":[{"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/posts\/173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/comments?post=173"}],"version-history":[{"count":1,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions"}],"predecessor-version":[{"id":174,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions\/174"}],"wp:attachment":[{"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/media?parent=173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/categories?post=173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.choiceoneinsuranceinc.com\/blog\/wp-json\/wp\/v2\/tags?post=173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}