Stock photo for illustration purposes only.
A new cargo insurance program launched this week could help trucking companies and logistics businesses save money on inventory coverage. Rokstone’s $25 million cargo stock-only program offers deductibles as low as $10,000 and separates inventory insurance from traditional property coverage.
What Makes This Program Different
Unlike bundled insurance packages, this program focuses exclusively on inventory protection. That means trucking companies can get targeted coverage for their cargo without paying for property features they don’t need.
The program includes catastrophe coverage and protects the full value of inventory in storage or transit. Industry data shows that cargo theft alone costs the trucking industry over $15 billion annually, making specialized coverage increasingly valuable.
Rokstone’s approach recognizes that today’s supply chains face different risks than they did even five years ago. Warehousing exposures have shifted dramatically since the pandemic, with many companies holding more inventory in diverse locations.
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Impact on Trucking Operations
For owner-operators and fleet managers, this could mean real savings on insurance premiums. Traditional stock-throughput policies often include coverage elements that don’t match how modern logistics actually work.
The lower deductibles particularly benefit smaller operations. A $10,000 deductible instead of the typical $25,000 or higher means companies can actually file claims for mid-sized losses without eating the entire cost.
Mike Nukk from Rokstone Marine points out that businesses need coverage that “reflects the nature of the operational risks faced in today’s environment.” That’s especially true for trucking companies managing inventory across multiple states with varying risk profiles.
Broader Insurance Trends
This launch reflects growing demand for unbundled commercial insurance products. Rather than purchasing comprehensive packages with unused features, businesses increasingly want targeted coverage that matches their specific operations.
The trend toward specialized cargo programs has accelerated since 2020, driven by supply chain disruptions and changing storage patterns. Companies that once relied on simple in-transit coverage now need protection for extended warehouse stays and non-traditional storage locations.
What Drivers Should Do Now
Trucking companies should review their current cargo coverage to identify gaps or overlaps. Compare your existing deductibles with the new lower options available. Ask your broker about separating inventory coverage from property insurance if you’re currently bundled. Consider how supply chain changes have affected your risk profile since your last policy renewal. Document any new storage locations or extended transit times that might need additional coverage.
This type of specialized program shows how the insurance industry is adapting to real-world logistics challenges. For trucking operations dealing with complex supply chains, targeted coverage could deliver both better protection and lower costs.
