---
title: Updates to Freight Protect Policy
description: What's new with Freight Protect
---

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# Updates to Freight Protect Policy

## What's new with Freight Protect

We’ve renewed our **Freight Protect™ cargo insurance program** to bring you faster claim resolutions and continued peace of mind. As part of this renewal, a few updates have been made to ensure coverage stays compliant and transparent.

The new terms take effect on **November 17, 2025**, superseding the prior endorsement from November 16, 2024.

#### **Key Changes**

- **Rate Adjustment**: Insurance is now applied at a rate of **$0.27 per $100 of shipment value**, with a $22.55 minimum premium coverage amount.
- **Coverage Minimum**: Coverage **begins at $22.55**, equal to approximately $8,000 in declared shipment value.
- **Proof of Delivery (POD)**: Claims filed 6+ days after a clean POD (no damage noted) may be void.
- **Concealed damage reporting**:

    - Must be reported within **5 days of delivery**.
    - Claims filed after 5 days (up to 60 days) will still be reviewed, but the shipper must provide proof that the damage occurred during transit.

**Additional Information**

**$100 Deductible** (remains the same): A deductible of $100 applies to each approved claim. For example, a $500 claim will result in a $400 payout after the deductible.

#### **What This Means for You**

These updates ensure your freight remains protected under Loadsure’s latest underwriting standards while continuing to provide:

- Faster claim review and reimbursement vs. basic carrier coverage
- Clearer claim eligibility and reporting timelines
- Continued access to trusted, per-shipment cargo coverage

#### **What You Should Do**

- Inspect shipments carefully and note any visible damage or shortage on your Proof of Delivery (POD)
- Report concealed damage within 5 days of delivery for full coverage eligibility

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