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For business owners who want coverage they can trust, our team of qualified insurance professionals at Choice One Insurance Inc. in Portland, OR, ensures that every aspect of your business is protected. From the equipment you use to carry out tasks related to producing goods and services to the freight you ship to partners and other businesses, we take covering your company seriously. If you’re not sure whether you should get commercial insurance, cargo insurance, or both, we can differentiate them below. For more specific information, you can always contact our office to discuss potential options with our team.
What Is Cargo Insurance?
Cargo insurance is a specialized kind of policy that covers your freight so you can be reimbursed if your cargo is stolen or lost during certain types of shipment. While every cargo insurance policy is different, you can rest assured that each cargo insurance policy is designed to cover some aspects of your cargo. Different types of cargo insurance cover different aspects of shipment, so you should ensure you have the right one for your business.
What Is Commercial Insurance?
Commercial insurance covers businesses in general. Some policies, like commercial auto insurance, cover vehicles for your business. Other types of commercial insurance, like worker’s compensation insurance, cover your employees and protect you from liability.
Differences Between Cargo Insurance and Commercial Insurance
The most obvious difference between cargo insurance and commercial insurance is the aspects of business they cover. Commercial insurance covers a broader range of business elements. Commercial insurance policies may also pair with umbrella insurance, while cargo insurance might not. It’s best to consult an agent at our agency for more specific details.
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Call Choice One Insurance Inc. in Portland, OR to protect your business.