Why fresh fruit exporters should rethink their cargo insurance policies

If you’re a fresh fruit exporter, you might assume that a standard cargo insurance policy will protect your shipment in case of damage or loss.

Unfortunately, that’s not always the case. In fact, many standard cargo insurance policies fall short when it comes to covering the unique risks associated with shipping perishable goods like fresh fruits.

One of the biggest issues with standard cargo insurance policies is that they often have limited coverage for spoilage or damage due to temperature fluctuations. Fresh fruits are highly sensitive to changes in temperature and humidity, and even a small variation can cause significant damage. If your shipment arrives at its destination with spoiled or damaged fruit, a standard cargo insurance policy may not compensate you for your losses.

Another issue with standard cargo insurance policies is that they may not cover losses due to delays or spoilage caused by delays. Shipping fresh fruits often involve complex logistics and tight timelines, and even minor delays can have a major impact on the quality and freshness of the fruit, most berries are extremely sensitive to delays. If your shipment is delayed and your fruit arrives in a damaged condition, a standard cargo insurance policy may not cover your losses.

So what can fresh fruit exporters do to ensure that they’re fully protected? One option is to consider a specialized insurance policy that’s designed specifically for perishable goods. These policies typically offer broader coverage for spoilage, temperature fluctuation coverage, and delay-related losses, and are tailored to the unique risks associated with shipping fresh fruits and other perishable goods. The second option is not to rely on insurance coverage and when the damage happens to pursue cargo claims recover yourself or use Recoupex service to recover loss from the liable carriers for you.

In conclusion, standard cargo insurance policies may not provide adequate coverage for fresh fruit exporters. To fully protect your business, it’s important to explore specialized insurance options that are tailored to the unique risks and challenges of shipping perishable goods or pursue claim recovery from the liable party.

Don’t assume that a standard policy will be enough. It won’t. Take the time to research your options.