Additional Coverage Options
All shipments include standard carrier liability, which provides baseline coverage while your freight is in transit. If you need more protection, there are additional coverage options to consider.
Use the information below to understand the options and choose what makes sense for your shipment.
Important Coverage Notice
The information provided on this page is for general informational purposes only. Coverage availability, limits, terms, conditions, exclusions and eligibility requirements vary by option and are governed exclusively by the applicable 111s, tariffs and coverage documents.
Excess Liability Coverage
Excess Liability Coverage provides additional protection by extending ABF Freight’s standard carrier liability limits based on the shipment’s declared value.
Coverage overview
Extends standard carrier liability limits
Coverage is based on the shipment’s declared value
Maximum available limit: up to $250,000 per shipment
Availability
Available only for ABF shipments
Limited to customers using published LTL pricing
Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold, silver, and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, neon items, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants, cotton, grandfather/grandmother clocks, automobiles/motorcycles, plate/flat glass
Additional information
Excess Liability Coverage applies only as an extension of ABF’s standard liability and does not replace it. Declared value is required on the bill of lading for Excess Liability Coverage to apply.
Premium Cargo Coverage
Premium Cargo Coverage provides increased protection based on the declared value of the shipment and replaces ABF Freight’s standard carrier liability.
Coverage overview
Replaces standard carrier liability
Coverage is based on the shipment’s declared value
Maximum coverage limits depend on commodity type: New commodities: up to $250,000, Trade show commodities: up to $50,000, Other-than-new commodities: up to $25,000
Availability
Available to ABF customers using Dynamic Pricing
Available to approved ABF customers with published LTL pricing
Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold silver and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, neon items, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants, cotton, grandfather/grandmother clocks, automobiles/motorcycles, plate/flat glass
Additional information
Premium Cargo Coverage replaces ABF’s standard liability and excess liability. Coverage availability and limits are subject to commodity classification and approval. Terms, conditions, exclusions and limitations apply.
All-Risk Shipper’s Interest Insurance
All-Risk Shipper’s Interest Insurance provides cargo insurance for LTL brokerage shipments while freight is in transit. This coverage is broader than a carrier’s required legal liability coverage.
Coverage overview
All‑risk cargo insurance during transit
Coverage applies to qualifying loss or damage events
Maximum available limit: up to lesser of $1,000,000 per shipment or actual cash value
Charges:
$.35 per $100 of declared value ($15 minimum)
$15 Admin FeeDeductible:
$0 for Declared Value < $10,000.01
$500 for Declared Value < $25,000.01
$1,000 for Declared Value < $100,000.01
2% of Declared Value for Declared Value > $100,000
Availability
Available for LTL brokerage shipments
Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold silver and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants.
Additional information
Shippers' Interest coverage is subject to applicable policy terms, exclusions and limitations.
To be eligible, Shippers' Interest Insurance must be purchased at the time of booking, and the coverage must be reflected on the bill of lading at the time of pickup.
When Shipper’s Interest Insurance is selected at the time of booking, the coverage is coordinated by ArcBest for the shipper's benefit. Shippers' Interest Insurance is offered through McGriff Insurance Services, Inc., or one of its legal affiliates, acting as the insurance agent.