Cargo Insurance
Provided by "A" rated Lloyd's of London

Questions? Call Us! 800-541-0700
M-F 9am-5pm PST

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 800-541-0700
 818-735-0494
 M-F 9am-5pm PST

 

4607 Lakeview
Canyon Rd. Ste 341
Westlake Village
California, 91361

 

 

 

Cargo Insurance Rates

The Cargo Insurance companies group items into categories according to the risk level associated with those items. Higher risk categories have higher insurance rates and different deductibles. The rates for every category are listed in the tables below. The rates are per $100 value of insurance coverage.

INSTANT QUOTE


To get an instant cargo insurance quote follow the 4 steps below.
You can also call or email for a quote as well.
Toll Free: (800) 541-0700 or info@pafinsurance.com

 

1) Determine Your Cargo Insurance Value.
       This is the total actual replacement cost of your shipment or goods.
        You may include freight shipping or moving costs.

2) Determine Your Cargo Insurance Category

 Get Shipping Insurance Quote

 

 

 

 

 

What's My Cargo Insurance Item Category?

 
 Please use the category lookup below to help you. Select any category from the drop down menu below and it's definition will appear in the box beneath it. Choose the category that best describes what your shipping. It is important to select the correct category to ensure you get an accurate insurance quote and proper coverage for your items. 
      

 

 

Click here for a printable list of the categories and their definitions

3) Find the cargo insurance rate for your category in the tables below.
     
      Click here if your shipment/move is within the USA or Canada
      Click here if your shipment is to or from another country
      Click here if your shipment is to or from Mexico

4) Multiply the Rate by Your Insurance Value.
Last Step! To calculate your quote/policy cost: divide your insurance value by 100 and then multiply by the insurance rate.

For Example: a policy for basic coverage for a domestic shipment of Computers worth $5000 shipping by Land, would cost $62.50 ($5000 divided by 100 = 50 x $1.25 rate = $62.50), see column highlighted yellow in the domestic rates table below.

You can also call or email for a quote as well. (818) 735-0494 or info@pafinsurance.com


If your calculated cargo insurance policy cost (according to the rates in the tables below) falls below the minimum charge, your policy cost will be the minimum charge listed below.

 

BASIC COVERAGE

ALL RISK COVERAGE

There is a $45 Minimum charge for Individuals and a $40 Minimum charge for Commercial Shippers (companies that insure 10 or more shipments per month)

There is a $90 minimum charge for individuals and a $85 minimum charge for commercial shippers.

 


Please note:
All Risk coverage is NOT available for FINE ARTS, ANTIQUES or USED Goods unless it's Household Goods (residential moves). For any other category, if the items are used, only basic coverage is available.

To Qualify for All Risk Coverage, the goods must be:
1) New or used and fully reconditioned to "like new" status by the
    manufacturer (except for household goods in which used items are
    accepted).

2) Professionally packaged by the shipping carrier, moving company 
    or a packaging company.
Professionally packaged is defined as
    being properly contained for transit. Goods packed by the owner
    are NOT eligible for All risk coverage.

Basic coverage is available for all goods (used, reconditioned and new) and owner packed goods are acceptable.

If you need All risk coverage on fine arts, antiques or other used commercial goods, or coverage for anything excluded, please email us with the details of your shipment and we will submit a special request to the insurer and get you a quote.  Email: quotes@pafinsurance.com
 

        Basic Coverage Domestic Rates (Usa & Canada)
Rates are per $100 value of insurance coverage
For ALL Risk Coverage Add $0.80 to the rates below.

COMMODITY CATEGORY

LAND

OCEAN  

AIR      

General Merchandise

0.55

0.66

0.60

New or Used Machinery

0.55

 0.66  

0.60

Household Goods

1.70

2.25

2.03

Fragile Goods

2.94

3.64

2.50

Computers/Electronics

1.25

1.60

1.50

Fine Arts

1.70

2.25

2.03

Motorcycles & Autos

0.80

1.20

1.00

Precision Instruments

1.25

1.60

1.50

Chemicals/Hazardous Mat.

0.65

1.00

0.80

Steel Sheets, Coils & Bars

1.13

2.28

1.50

Branded Goods

0.60

1.00

0.70

Non Perishable Food

0.55

0.66

0.50

Bottled Beverages

0.60

1.00

0.70

Bottled Products/non beverage

0.55

0.66

0.50

Frozen Foods (excluding meat)

1.30

1.90

1.60

Frozen Meats

1.40

2.40

1.70

Yachts

0.95

1.45

1.15

Jewelry (all types) 5.00 for all risk

3.00

3.00

3.00

Go Back to Step #3 above

Go to the Cargo Insurance Order Form

Basic Coverage INTERNATIONAL RATES
Rates are per $100 value of insurance coverage
For ALL Risk Coverage Add $0.80 to the rates below.

COMMODITY CATEGORY

OCEAN

AIR

General Merchandise

0.87

0.81

New or Used Machinery

0.87

0.81

Household Goods

2.59

2.49

Fragile Goods

4.55

3.22

Computers/Electronics

1.92

1.67

Fine Arts

2.59

2.49

Motorcycles & Autos

2.12

1.87

Precision Instruments

1.92

1.67

Chemicals/Hazardous Mat.

1.07

0.92

Steel Sheets, Coils & Bars

2.85

1.87

Branded Goods

1.07

0.92

Non Perishable Food

0.87

0.81

Bottled Beverages

1.07

0.92

Bottled Products/non beverage

0.87

0.81

Frozen Foods (excluding meat)

2.00

1.62

Frozen Meats

2.62

1.75

Yachts

1.44

1.06

Jewelry (all types) 7.00 for all risk

5.00

5.00

Go Back to Step #3 above

Go to the Cargo Insurance Order Form

Basic Coverage MEXICO RATES
Rates are per $100 value of insurance coverage
For ALL Risk Coverage Add $0.80 to the rates below.

COMMODITY CATEGORY

LAND

AIR

General Merchandise

1.00

1.45

New or Used Machinery

1.00

1.45

Household Goods

2.80

2.50

Fragile Goods

4.75

3.50

Computers/Electronics

1.65

1.95

Fine Arts

2.80

2.50

Motorcycles & Autos

1.65

1.85

Precision Instruments

2.15

2.45

Chemicals/Hazardous Mat.

1.50

1.65

Steel Sheets, Coils & Bars

1.28

1.65

Branded Goods

1.45

1.65

Non Perishable Food

1.40

1.65

Bottled Beverages

1.45

1.55

Bottled Products/non beverage

1.40

1.65

Frozen Foods (excluding meat)

2.15

2.45

Frozen Meats

2.25

2.55

Yachts

1.80

2.00

Jewelry (all types)

5.00

5.00

Go Back to Step #3 above
 

Go to the Cargo Insurance Order Form