We offer three types of coverage. Most cargo insurance companies are limited in the coverage or their coverage policy doesn’t fully disclose what they truly insure until a claim comes around. At Ramon Inc. we believe transparency is highly important and let you know from the start exactly what each policy covers. Our clients have been insuring with us for over 3 decades. Our loyalty to our clients is our number 1 concern.
We have the ALL RISK Coverage which covers the goods while in transit against ANY damages from physical external cause including theft, shortage or catastrophic event.
Another coverage we offer is TOTAL LOSS. This coverage is restricted coverage which usually applies to very old goods or used goods. We rarely offer this type of insurance unless requested for specific type of goods or transits. We cover the goods against total loss damage due to catastrophic event ONLY. For example, if there is a total loss of a truck or aircraft which was caused by a catastrophe, this would be covered. We would not cover a partial loss under total loss coverage.
The third type of coverage that we offer is called NAMED PERILS. This means that total loss or partial damage and/or loss to shipment will be covered against specific perils. If there were the following risks during transit: collision, overturning the truck, train, boat, derailment, fire, lighting, sprinkler leakage, cyclones, hurricanes, earthquakes, floods, collapse of dock, jettison, stranding, and sinking.
As a part of our broad underwriting authority we also offer additional cargo insurance/riders for domestic trucking loads, we offer primary or secondary insurance after the carrier’s insurance. If you currently have existing insurance for your cargo and need additional insurance, we offer any additional amount after the existing carrier’s insurance is exhausted to meet your needs.
The coverage we offer strives to meet the needs and expectations of our clients both national and worldwide.
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