Freight Expectations Blog

Why LTL Freight Shippers Need Cargo Insurance More Than Any Other Mode

Written by Pam Crandall | Nov 1, 2024 11:17:55 PM

In the bustling world of logistics, ensuring the safe arrival of goods is critical for shipping managers, operations managers, and logistics managers. While all modes of shipping carry risks, Less-than-Truckload (LTL) shipping stands out as particularly vulnerable to loss and damage. As any shipper knows, lost or damaged shipments can result in angry customers, tons of paperwork, and a hit to your bottom line. Understanding the unique challenges of LTL, and the protective role insurance plays is crucial to safeguarding your business.

Here are some of the reasons LTL is more prone to loss or damage:

Multiple Handling Points

LTL shipments are a bit like a relay race, with goods passing through the hands of multiple teams before reaching their final destination. Each transfer point—be it a hub or terminal—introduces another opportunity for mishandling or damage. Unlike Full Truckload (FTL) shipments, which typically travel directly from point A to point B, LTL freight makes several stops, each with its own risks. This complexity elevates the importance of having insurance to cover potential damage during these transitions.

Freight Mixing

Imagine placing a delicate vase next to a stack of heavy boxes. In LTL shipping, a similar scenario happens when various goods are loaded onto the same truck. Different items have different handling needs, and when incompatible goods are in close quarters, the risk of damage escalates. Items that are fragile can be crushed by heavier freight, and sharp objects can puncture adjacent packages. Proper insurance can alleviate the financial burden if something goes wrong during transit.

Longer Transit Times

Time is money, and in the case of LTL shipping, longer transit times can lead to higher risks. With multiple stops comes extended durations in transit, which increases the chance of accidental handling damage or exposure to environmental factors like temperature fluctuations. The longer goods are on the road, the greater the potential for unforeseen issues, making insurance an important safeguard against these prolonged vulnerabilities.

Improper Packing

Unlike FTL carriers who might assist with packaging, LTL shippers often bear the responsibility of ensuring their goods are securely packed. Poor packaging is a common culprit behind transit-related damages. Without the right cushioning and protection, goods are vulnerable during loading and unloading. Ensuring proper packing is essential, but it's equally important to have insurance in place to cover any mishaps that may occur despite precautions.

High Volume and Tight Schedules

LTL carriers juggle many smaller shipments within a strict schedule, making the environment ripe for errors. The hustle to meet delivery windows can lead to sorting mistakes and handling mishaps, increasing the risk of loss or damage. Insurance acts as a safety net, helping shippers recover financially from such incidents, which are often out of their control.

Limited Tracking and Visibility

In the digital age, tracking shipments has become standard. However, LTL shipments may not offer the same level of detailed tracking as other types. This lack of visibility can complicate efforts to swiftly address issues if freight goes astray in a hub or terminal. Insurance provides peace of mind by offering financial protection, even when visibility is limited and issues can't always be preemptively resolved.

Fortunately, there is easy-to-use technology that can mitigate the lack of tracking and visibility. A powerful shipping management platform like MyCarrier provides real-time tracking and full visibility into the entire shipping process, from quote to invoice.

Types of Claims LTL Shippers Are Likely to File

Understanding the types of claims common to LTL shipping can underline the importance of having robust insurance coverage:

  • Damage: When freight arrives visibly damaged, this claim is most frequently filed.
  • Loss: Occurs when goods picked up never reach their destination.
  • Concealed: Damage or loss discovered post-delivery, reported after the driver departs.
  • Shortage: When only part of the expected freight is received.
  • Refused: When shipments are damaged, incorrect, or late, sometimes leading to a refusal by the consignee.

These incidents can lead to substantial financial setbacks, underscoring the necessity of comprehensive coverage.

Choosing the Right Insurance for LTL Shipments

While limited liability coverage might seem sufficient, it often requires shippers to jump through hoops to prove their case, resulting in only partial compensation. Full value coverage, like that offered by Loadsure through the MyCarrier platform, ensures full reimbursement of product cost, transportation, and insurance premium, without the burden of proving carrier liability.

Benefits of Loadsure’s Full Value Insurance in MyCarrier TMS
  • Full Value Coverage: Protects shipments at an affordable rate, right in your quote flow.
  • Prompt Settlement: Quick claim resolution, typically within 7-10 days.
  • Simple Claims Management: Easily file, track and manage claims via the MyCarrier Claims Portal.

Investing in comprehensive insurance ensures that your business isn't left vulnerable to the unexpected hiccups that are common in LTL shipping.

Conclusion

While LTL shipping presents distinct challenges, the right insurance can mitigate risks and protect your bottom line. Prioritize securing comprehensive coverage to safeguard your shipments and maintain smooth operations. Explore more about protecting your shipments with Loadsure's full value insurance by signing up on the MyCarrier platform today.