What Are the Key Differences Between Alliance Risk and Corgi Cargo and Transit Insurance?
One Haul vs Ongoing Marine Cover
Corgi sells per-load cargo coverage for trucking operators: contractual liability cover bound for one haul at a time, which Corgi says can replace or top up an annual cargo policy. Alliance Risk describes ongoing inland marine (tools in trucks, job-site equipment, off-premises storage) and ocean marine (international sea cargo, containers, hull). [5] [1] Choose Corgi if you haul freight and need a certificate for a single or overflow load; choose Alliance Risk if you're a contractor, shipper, importer or art dealer insuring your own goods and equipment.
Buying Speed vs Loss-Prevention Guidance
Corgi says you can quote, bind and get a certificate of insurance in minutes on its trucking site. Alliance Risk publishes guidance instead, such as GPS tracking and tamper-proof containers for high-value shipments, certificates of insurance from carriers and subcontractors, and photo logs of cargo before and after transit. [5] [1]
What You Know Before You Buy
Alliance Risk lists its typical exclusions: wear and tear, poor packaging, losses outside the policy territory, business income unless endorsed, and flood unless added to ocean marine. With Corgi, get the exclusions from the quote itself; neither provider names the insurer that issues the policy. [1] [5]
What Should You Confirm in Alliance Risk and Corgi Cargo and Transit Insurance Quotes?
- Ask Corgi for the per-load limit, the commodities excluded and the issuing insurer before you bind. [5]
- Ask Alliance Risk whether you need inland marine, ocean marine or both, and whether flood and business income can be added. [1]
- If you already carry an annual cargo policy, check with its insurer how a Corgi per-load policy sits alongside it. [5]