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What's the difference between FreightProtect™ coverage and standard coverage?

Choosing the Right Coverage for Your Shipment

When booking a shipment with Mothership, you have the option to purchase FreightProtect™ coverage for enhanced protection and faster claims resolution. You can also choose to rely on standard carrier-provided coverage. Here's how the two options compare so you can choose what’s best for your cargo.

FreightProtect™ Coverage (Optional Add-On)

  • Up to 100% reimbursement of the declared value of your freight

  • Coverage available up to $250,000 for LTL and $2,000,000 for FTL

  • Claims are processed quickly, with an average payout time of 10 days

  • $100 deductible per claim

  • Freight costs are eligible for reimbursement

  • Re-shipping costs are not typically included

  • Claims must be submitted via dashboard.mothership.com/claims

    • Note: If the purchaser is not the freight owner, a written authorization from the freight owner must be provided when filing a claim

  • Priced at $0.27 per $100 of declared value, with a $22.55 minimum premium

  • Coverage minimum:

    • Coverage begins at $22.55, equal to approximately $8,000 in declared shipment value.

  • 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.

  • Proof of Delivery (POD): Claims filed 6+ days after a clean POD (no damage noted) may be void.

 

Carrier-Provided Coverage (Default if no FreightProtect is purchased)

  • Maximum reimbursement is typically limited to $10,000 for new goods and $1,500 for used goods (these limits apply to shipments through the Mothership platform and reflect our carrier agreements; liability calculations can vary by carrier and commodity)

  • Payout is based on freight class and density, not declared value

  • Reimbursement of shipping fees is not guaranteed and is at the carrier’s discretion

  • Claims typically take longer to resolve, with an average of 40 days

  • Coverage is provided directly by the motor carrier

 

Need help deciding which option is right for you? If your shipment is high-value or time-sensitive, FreightProtect™ offers faster claims resolution, higher limits, and peace of mind.