Tariffs Are Changing the Game in Cargo Insurance—Why TripExcess® is the Answer

May 28th, 2025

The world of Trucking is tough, and every mile brings a new challenge.  Add trade tariffs to the mix, and you've got a recipe for skyrocketing shipment values, unexpected insurance gaps, and plenty of client questions.  But here's the good news for Insurance Agents like you: where there's a problem, there's an opportunity.  And when it comes to cargo insurance for truckers, TripExcess® is the opportunity you've been waiting for.

Tariffs and Trucking: What's Really Happening?

If you work with truckers, you've seen the impact of tariffs firsthand.  From the cab to the cargo hold, the rising costs of importing goods are reshaping the industry.  Here's how:

• Expensive Shipments, Bigger Risks
• Tariffs increase the landed cost of goods by layering on taxes, duties, and fees.  That means truckers are hauling loads that are worth a whole lot more.  For instance, a shipment valued at $100,000 can balloon to $125,000 (or more!) when a 25% tariff kicks in.  Standard cargo insurance?  It's not designed for this.  And the gap between what's insured and what's at risk is growing wider and riskier daily.

• Trucking Clients Need More Coverage
• When your average trucking client hauls goods subject to tariff-driven price hikes, they face a whole new world of financial exposure.  An accident, theft, or cargo damage could turn a pricey shipment into a massive loss if the insurance doesn't cover the full value.  And guess who's going to get the first phone call when that happens?  That's right.  You.

• Tight Margins and Tough Questions
• Trucking is a high-stakes business where every dollar matters.  Clients want solutions that protect their bottom line without breaking the bank.  They expect you, their insurance expert, to have answers.  That's why having the right product in your back pocket is crucial.

Enter TripExcess®, The Ultimate Wingman for Truckers

When it comes to excess insurance, TripExcess® hits the nail on the head (or the tire on the road, if we're keeping this trucking-themed).  This isn't just another generic policy; it's a custom-fit solution designed to tackle the real challenges truckers face today.

What Makes TripExcess® The Right Choice for Trucking Cargo?

1) Broad Coverage for Big Loads

Tariffs have driven up shipment values, which means truckers need policies that can go the extra mile.  TripExcess® provides higher limits that safely cover those inflated values.  Whether $500,000 or a few million, TripExcess® can scale to ensure no dollar of cargo value gets left unprotected.

2) Flexibility on Demand

No two hauls are the same in the Trucking industry.  TripExcess® understands that freight values fluctuate, so it offers truckers the flexibility to stay covered without paying for irrelevant extras.  Clients get coverage tailored to the unique needs of their cargo and route, and you get happy customers.

3) Keeps Things Moving

Truckers don't just haul goods.  They keep supply chains alive.  TripExcess® is designed not to slow them down.  The easy-to-manage product lets agents like you quickly quote policies and deliver coverage, protecting your clients on the road and their freight.

Why Agents Win Big with TripExcess®

Let's be honest.  Being an Insurance Agent in the Trucking world comes with its fair share of curveballs.  But every challenge is also a chance to show your value.  TripExcess® doesn't just give your trucking clients confidence.  It gives you the edge to grow your business and maintain those all-important client relationships.

• Be the Hero
• When tariffs and rising cargo values create headaches, you're ready with solutions.  Offering TripExcess® turns you into an agent who's always a step ahead.

• Boost Your Bottom Line
• TripExcess® gives you access to a product that truckers genuinely need.  That's a win for them and a win for your sales numbers.

• Lock in Long-Term Loyalty
• Truckers remember the agents who protect their livelihoods.  By introducing them to a solution that truly works, you're setting the stage for trust and repeat business.

Final Thoughts

The Trucking industry doesn't slow down, and neither should you.  Tariffs are shaking up cargo valuations and insurance expectations, but TripExcess® is here to put those concerns to bed.  It's flexible, effective, and built for those who keep America's goods moving.

Start recommending TripExcess® today, and position yourself as the agent who delivers real answers in a world full of uncertainty.  Truckers have enough on their plate.  With TripExcess®, you can offer them one less thing to worry about.

Contact us today to drive your sales forward with TripExcess®.  When it comes to protecting cargo and livelihoods, taking the "excess" route is always the right move.

TripExcess® - Making smarter insurance solutions, simpler.

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