As an owner operator, you are responsible for insuring your risk as the companies you work for will not be purchasing insurance for you.
If you would like work comp you should purchase that. You should also purchase commercial auto including liability, and cargo insurance. Your agreement with the companies you work for should clearly spell out who is responsible for the cargo during transit. This can help you understand how much cargo insurance coverage you may need.
Companies who use lots of owner operators have a hard time finding insurance since their insurance carriers have a tough time figuring out how much risk there is for the non-owned part of the auto exposure. It is normal for them to request copies of proof of your insurance so they can show that to their insurance carriers.
Depending on where you are based, most times this is set by your lease agreement. Be Careful ! Many companies do not cover you for enough and in the fine print you are responsible for any shortage not covered by the insurance.
Generally, your automobile insurance should cover your moving cargo van rental. However, you can also confirm with your insurance company as well as consider purchasing insurance coverage offered by the van rental company.
Insurance for cargo being carried at sea can be obtained from various specialist insurance companies such as CG Cargo, Nacora, or Blackmer Insurance Agency.
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Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.
HI, For a person, whenever he travels in a bus, train, ship or airplane, insurance is mandatory and is always included in the fare. Whereas for cargo it is optional. Taking insurance for the cargo consigned is at the option of the Consignor. There is no law imposing insurance on the goods consigned. In the International Trade, sometimes the importers insist on not having insurance included in the quotations. As per international commercial terms also there is a clear differentiation between shipment with insurance(Cost, Insurance and Freight) and without Insurance(Cost and Freight). The shipping company is held responsible, for any sort of damage caused to the cargo because of negligence by the shipping company though there is no insurance involved. The shipping company is bound to pay the penalty. In case the damage is due to natural calamities or circumstances beyond the capacity of the shipping company, in the absence of insurance, the consignor cannot hold the shipping company liable.
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Cargo insurance above 50k limit isn't uncommon and there are tons of insurance carriers who will write it. What might make it more difficult to find an insurance carrier for this would be if the cargo was high theft risk, high fire risk, etc. An insurance broker should very easily be able to help you buy cargo insurance. We have previously written cargo insurance up to 2M limits with no issues on high risk items, so it shouldn't be tough for you to line up 50k worth of coverage.
A standard dry container 20ft or 40ft would be leased by a cargo company during its lifetime. To have any type of systems or pallets included with it, it would have to be owned by a private cargo shipper. They all call them something different (like a spiderleg or pop-floor) depending on the intended cargo.
I used to work for an insurance brokerage, and the company we used most often for commercial auto and cargo insurance was Western World. However, there are many aspects that will affect premiums and whether or not a company will write a risk. To clarify, it depends on the type of cargo you're hauling, weight limits, the truck itself, and how many miles are traveled... The list goes on and on. If you contact Western World, they will be able to direct you to a retail agent in your area that will assist you with the specifics.
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