Ramon Insurance: Why You Need Cargo Insurance

Ramon Insurance
Sep 26, 2018 · 3 min read

Theft, damage during loading and unloading as well as the truck and ocean transit, all are issues may occur during the transportation process, creating unnecessary costs for all parties involved. So how do you protect yourself and your shipments? Since 1982, Ramon Insurance has been the #1 chosen shipping and freight insurance provider thanks to their competitive rates and superb customer service. In this blog Ramon Insurance explains why cargo insurance is so important.

What is cargo insurance?

Cargo insurance is the act of protecting your goods from any harm that happens while they’re being transported. If you work in an import-export business, you know the necessity of having packages arrive in proper condition. With cargo insurance, if damage does happen, the costs are covered. “It is not rare that individuals come to us after their shipments have been damaged, wishing they had invested in insurance,” says Iris Arden, CEO of Ramon Insurance. “We want professionals in the trucking & transportation, import-export business to be proactive and safe by purchasing cargo insurance for all of their needs.” Whether these shipments are traveling nationally or internationally, there are always risks involved.

The Benefits

Legally, all carriers have a minimal amount of coverage known as carrier liability. However, this coverage is minimal and does not protect shipments from natural disasters or vehicle accidents, says Ramon Insurance. Therefore cargo insurance is so important. If the cargo value is at $100,000 and there is a damage of $30,000 or $100,000 an insured would expect to be compensated for the full replacement value which is $30,000 or $100,000. Carriers’ insurance is only limited to $1500.00 per claim.

Ramon Insurance — Carrier insurance is minimal and does not cover natural disasters or vehicle accidents. Because of this, it is imperative to get cargo insurance for the transportation of your products and goods.

Cargo Insurance covers transits carried out in water, air, road, and rail. The benefits of having cargo insurance include protection from damages due to ANY damage from physical external cause including shortage, theft and catastrophic even to improper packing, fire, non-delivery and losses due to intense weather. Having cargo insurance is a better way to protect your goods from anything that could happen while they travel from point A to B, and there is a lot of stress your package can go through depending on the time of year and the route taken.

Types of Cargo Insurance

There are mainly three different kinds of cargo insurance depending on what you want to be covered. They usually include Total Loss, Named Perils, and All Risk. Each of these types of insurance are different depending on the level of protection you desire for your shipments. Ramon Insurance suggests taking the time to understand the different kinds of cargo insurance so you know exactly what you need. For more information, read Ramon Insurance’s blog on the different types of cargo insurance.


Type of cargo insurance also differs based on how the shipment is transported. Land Cargo Insurance provides coverage for all land transportations including trucks and other utility vehicles. Marine Cargo Insurance covers shipping done by sea or air, which is mostly international transportation.

Whatever your transportation needs are, Ramon Insurance will help you find a plan that protects your shipments.


In the import-export business, there is little room for damage and mistakes. To ensure your business and products are flowing smoothly, you must invest in cargo insurance. As Ramon Insurance explains, there are a variety of insurance plans to meet the needs of individuals and businesses. The process is quick, online via super speedy technology and most important the best rates in the market.

Ramon Insurance

Ramon Insurance has been in business for more than 3 decades. Specializing in cargo insurance for shipping of goods & products, Ramon Insurance helps business owners and individuals who are in the trucking & transportation or import-export business.

Ramon Insurance

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For more than 30 years, the team at Ramon Insurance has been assisting people & businesses with their insurance needs for the transportation of physical goods.

Ramon Insurance

Ramon Insurance has been in business for more than 3 decades. Specializing in cargo insurance for shipping of goods & products, Ramon Insurance helps business owners and individuals who are in the trucking & transportation or import-export business.

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