Imagine a $250,000 load of game controllers is stolen. You file the claim, only to learn the claim is denied.
Before booking the load, you asked all the right questions—or so you thought.
Turns out, it came down to one line that was buried deep in the fine print:the carrier's cargo policy excludes electronics.
Every load you move carries a certain amount of risk. That’s why cargo insurance exists—to protect against the unexpected.
But here’s the problem: most brokers rely on Certificates of Insurance (COIs) that don’t tell the full story. It shows what is covered, but not what isn’t.
Introducing: Exclusion Intel
Highway’s Exclusion Intel is designed to change the narrative. It gives you complete visibility into a carrier’s Motor Truck Cargo Insurance exclusions—before you ever assign the load.
We request and analyze the full cargo insurance policy directly from the carrier’s insurance agency, then extract, categorize, and organize the exclusions that matter most.
You’ll see exactly what’s excluded—commodities, perils, and territories—and whether a particular carrier is the right fit for the shipment.
How It Works:
Exclusion Intel is available directly within the carrier’s profile in Highway’s Carrier Identity® Engine. Exclusions are grouped into three types:
- Commodities (e.g., electronics, pharmaceuticals, seafood)
- Perils (e.g., unattended vehicles, voluntary parting)
- Territories (e.g., California, Mexico, Puerto Rico)
Each exclusion is flagged, sourced with direct reference text from the policy, and searchable. So whether you’re screening a new carrier or double-checking a match for a high-risk load, you’ll know exactly what’s covered—and what’s not.
With Exclusion Intel, you can:
- Match carriers to loads based on their actual insurance coverage
- Avoid claims disputes and prevent financial loss
- Ensure compliance with shipper-specific requirements
- Reduce friction and save time with clearer, more complete insights
The Bottom Line
There’s no reason to be surprised by a denied claim again.
With Exclusion Intel, you’re not guessing or assuming. You’re making decisions based on real policy intel—before risk becomes reality.
Want to see Exclusion Intel in action? Get a demo here.
