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Freight insurance protects the value of your shipment if it is lost or damaged in transit. Standard carrier liability covers only a fraction of the shipment’s actual value — often a fixed amount per pound. Declared value coverage, which you purchase separately, covers the full value you declare. WTM Logistics provides freight service across the Peace Region and can advise on insurance options for your shipment.
What is standard carrier liability?
Standard carrier liability is the minimum coverage included in the freight rate. It is calculated per pound of freight, not per dollar of value. For high-value shipments, standard liability may cover only a small percentage of the actual loss if the shipment is damaged or lost.
What is declared value coverage?
Declared value coverage is additional insurance you purchase based on the declared value of your shipment. You state what the freight is worth, pay a premium based on that value, and the carrier’s liability matches that declared amount. This is the coverage you need for high-value or irreplaceable shipments.
What is excluded from freight insurance?
Freight insurance typically excludes damage caused by improper packaging, damage to goods that are inherently fragile without special handling, losses from acts of war or civil unrest, and losses where the shipper provided inaccurate information about the shipment. Confirm exclusions with your carrier before booking.
When should you buy additional freight insurance?
Buy additional insurance when the shipment value exceeds what standard liability covers, when the freight is irreplaceable, when it is fragile or high-risk, or when a loss would create significant operational disruption. For most Peace Region commercial freight, standard liability is sufficient. For high-value equipment or sensitive materials, declared value is the practical choice.
How do freight insurance claims work?
You file a claim with the carrier after loss or damage is discovered. The claim includes the shipment documentation, proof of value, and evidence of the damage. The carrier investigates and responds. Photograph damaged freight before unpacking — documentation is the difference between a claim that gets paid and one that gets disputed.
Frequently Asked Questions
What is the difference between carrier liability and freight insurance?
Carrier liability is the minimum coverage included in the freight rate. Freight insurance is additional coverage based on the declared value of your shipment.
Is freight insurance required?
No. Freight insurance is optional. Standard carrier liability applies to every shipment, but additional declared value coverage is your choice.
How do I file a freight claim with WTM?
Contact dispatch at 587-316-2639 with your shipment details, documentation, and photographs of any damage. WTM will guide you through the claims process.
Protect your shipment with the right freight insurance. Email dispatch@wtmlogistics.com or call 587-316-2639.
