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How Can Cargo Insurance Reduce The Risk Of Theft?

How Can Cargo Insurance Reduce The Risk Of Theft?

Cargo theft has been around us for ages. It has always been disheartening when you or your customer know that the cargo being transported has been stolen from unidentified looters. It is seen that many transportation companies have started taking cargo insurance a must either from the customer whose goods are getting transferred or some big companies like FedEx have their insurance providers, which help in mitigating cargo theft. Due to advancements in technology, the ways and methods used by the thieves have also been updated and upgraded as per the market, and they have found new methods to sneak off with the transportation goods of the trucker.

Nowadays, there are many Information Technology companies that have come up with smart artificial intelligence products which are fitted in trucks and trailers, and sometimes inside high-value goods to prevent or to get back the goods once thieves have stolen them. As per the report by CargoNet, it has been seen that there is a 73% rise in cargo theft cases in USA and Canada, which is close to $19 million, and it is an alarming figure as the results have been compared with the year 2021.

How Can Cargo Insurance Reduce The Risk Of Theft?

Let us discuss the five usual ways which lead to thefts of cargo:

  1. Direct Theft: It is the way in which the theft is done directly straight from the trucks/ trailers, and it is difficult to point out who stole the goods. It is like your cargo is at the pumping station by the time the driver comes to check. There may have been scenarios when the whole trailer was stolen and also hurt the drivers and other staff who were present at the time. The thieves usually go for high-value goods or for which they have the ability to steal less and earn huge profits.
  2. Strategically Cargo Theft: Cargo theft is done after a lot of planning, and usually, there is a mole in the company who shares all the routes and emergency plans if there is some issue in the usual routes and ways. It is noticed that the thieves usually do that on the weekends or at the start of the weekends when the company has fewer resources to look into it. Like Fridays or Saturdays are the most usual days since everyone is working for n reserve staff, and no anyone can do it until the start of next week.
  3. Technology Advanced Thefts: As discussed above, the thieves have started hiring computer staff and hackers who hack into the company database and steal a lot of client information which might include credit card, social security numbers, and other bank details, which is not only harmful for the company reputation but also led to many thefts which they have led the authorities to some other place while they were at a differentplace. They also have the skills to change/ hack/ jam the GPS to the point of taking control of all the websites and the company’s total digital footprint.
  4. Cyber Attacks: They have been attacking the whole grid of attacks on trucks since these days they have been fitted with computers inside, which can be easily hacked. These thieves use high-end systems, and they direct the truck directly to them by re-routing their signals and GPS on board. These days they have been using public wifi since it is directly linked to the transportation office, and they have less security than private contractors.
  5. Cargo Lifting: There have been times when you will find that half of the cargo has been gone, per your documentation. It has been seen that when the truckers go and wait for frequent breaks, that is the best time for the thieves to steal the goods and products. You must have noticed that these types of pilferage are done while the trucks are in the areas where by the time there is a response from the authorities, it would have been so late for them.


How Can You Save Your Cargo?

Here are the few steps the drivers and the company staff should follow:
  • Keep the knowledge of the transportation inside the office and do not let it leak to the outside people. There should be proper communication and documents, and everyone should sign non-disclosure documents. These will help to curb the thefts.
  • The drivers should not keep the cargo unattended, especially in high theft areas.
  • The use of high-security checks and locks, and machinery to keep the cargo intact might reduce the amount paid for the cargo insurance.
  • Always do an internal audit as and when between the business year so that you can get to know the intricacies before and might prevent things from happening.
  • Always have an overview and keep updating in real-time the location of the trucks and the drivers because it not only helps in getting the correct location of the truck, but the security team can reach on time and the correct location if required.
  • Dispose of the staff you are dishonest with or the management because, in the end, you have to be there to take care of the fallings that could have been mitigated at the beginning.
  • Make partnerships with the security and other cargo insurance providers so that you don’t need to worry about the things that could have been unseen by you.
  • Drivers should be cautious of the way they drive. It is said the driver should take care of the cargo and truck and drive at least 200 miles before a stop, as it reduces the risk of cargo loss.

About Us

Mayflower Insurance services help you get truck, home, house, and auto insurance. They are in over 30 states and help in getting you the best rates for any of the insurance you need. It was the year 2003 when it was established, and after nearly two decades of consistent work and efforts, we have been working on getting you the best policies at the best prices. Contact us Today!

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Trucker Pollution Insurance- Benefits

Trucker Pollution Insurance- Benefits

Commercial auto insurance is something that every driver needs to insure their cargo before they take the roads. Other than this, there is Trucker Pollution Insurance which not only gets you out of the hands of the CDC but also can help you reduce the expenses you might need to pay after the mishap. You must be knowing trucking accidents happen every day somewhere in the world or in your state. Since they carry heavy and dangerous substances, sometimes they lead to death and destruction, which is what they leave behind.Trucker Pollution Insurance Benefits

Why is there a risk of pollution by Trucker?

It is good to know that the truckers’ main or primary job is transporting cargo and dangerous chemicals and gasses. Many truckers must be traveling every day in good and sometimes harsh conditions like snow, strong winds, and heavy traffic. It is like this which can reduce the total work which you can do in the process. Let us explain with an example- say the trucker is carrying harmful by-products of nuclear products.

This can be very harmful to anyone who comes in contact. There is a distance of 1000 km, which the trucker has to cover to reach the destination. The truck slips on the ice on the way, and its content spills on the road. It usually sips in the cracks in the soil and mixes in the nearby water body. Nature can ruin; anyone who comes in contact can lose their life, and everything is havoc.

Suppose the cargo comes in this kind of situation. In that case, it is better always to have pollution insurance if you have a business carrying harmful content. It can disrupt the normal function of living and nonliving after the accident. You may be wondering – there is not always a cargo that could create havoc like in the above case. Then how why do you need insurance? Even if there was no spill or harm – the road, the truck, and the driver everyone needs compensation.

For that, if you have pollution insurance, it can also help you get good compensation and reduce expenses. When something like this happens, there will always be a cut in your profits. You may not know that normal trucking insurance does not cover Trucker Pollution Insurance. It is an additional charge for you which you can surely reduce if you have such insurance in your portfolios.

Are you liable after the accident?

The liability that the cargo travels after the accident ranges from spills to destruction of government and public property and might include death and long-term harmful effects to the normal people living on both sides of the road. 

Okay, now you must be thinking about how you are liable for any of this, or maybe we are just making it up for you. Let us say you wanted to transport your product from one place to another a product of your company. Your trucking company sells the contract to a third-party logistics company. Now, to reduce the costs, they share the contract with the cheapest company, and they have been unable to keep a check on their drivers.

That truck and the product can strike, and the content of the cargo may litter the road. The new channels came running like vultures, and the reputation of the company went down the drain. This is how you can become from one of the best to the least used ones. Now the case of “Due Diligence” will be there on you. 

So, in the end, trucking insurance is for everyone. It is the trucking company’s responsibility that hires a 3rd party to transport goods and your cargo. It is the responsibility of all the parties in the contract, which is why all the possible scenarios are giving contracts or talking to any of them about the same. 

What are the types of pollution liability?

Pollution can be of many types. It is usually seen that the companies only pay for their truck, extraction of debris, and all other things. What if we can get you the policies that cover your expenses? Less cash is needed to get your truck back, with companies now also lawyer fees. Moreover, you can reduce your unexpected scenarios. The way of the accident, the type of the accident, and also the time. And how it happens can help you find which type of insurance will be more prevalent for you:

  • Liability with Transport pollution – When the cargo is en route, and the cargo gets destroyed or spilled during/ after the accident, transportation pollution is the best policy to take as it will cover the things specifically for transport pollution.
  • Liability with Contractor pollution – This is the type of policy where the contractor is liable for the pollution as it is done on shifting/ loading/ unloading the cargo and comes under their jurisdiction, which leads to coming under their liability therefore, this is the reason why you should we have this insurance for them.

When you will go to the insurance agent to buy the policy, explain to them why and what variables are there in your business of trucking such that they can help you to get the best policy. If you do not know how to explain this to your agent, you can contact us – the Mayflower Insurance Services – we can help guide you to the best plans for your business. We provide customized policies, which will include things per your requirements and needs. Moreover, you can only have to pay for these services. You can reach us at (877) 400-0500 or get your free quotes to get an idea of how much you might be spending for Trucker Pollution Insurance.


Q1. What is a pollution exclusion in insurance?

Ans. It is a type of provision in the first and third provisions that exclude coverage from the insurance.

Q2. Does MCS 90 cover pollution?

Ans. It will come into effect when there is a cause of pollution by the insurer.

Q3. Does CA9948 cover loading and unloading?

Ans. It does not cover the loading and unloading of the cargo and goods.

Q4. What is limited pollution coverage?

Ans. It means the clean-up costs will be given by the insurer.

Q5. Who is required to have an MCS 90?

Ans. All commercial vehicles and private owners should have MCS 90.