Does coverage vary by cargo type?
In addition to the common alternative coverages for cargo, some goods are susceptible to particular hazards and require special treatment. For example, cement shipped in paper bags is often subject to a deductible for shortage, while liquids in barrels are insured with a deductible for leakage. Insurance for chocolate and confectionery usually exclude the risks of heating, freezing and sweating while coverage for eggs and other fragile items exclude breakage. There are also special sets of clauses that have been drawn up through consultation between underwriters and various trade associations such as Timber Trade Federation Clauses, Corn Trade FPA Clauses, Jute Clauses and Flour “All Risks” Clauses.
