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Experience We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 25 years. We are an Agribusiness firm and no risk is to small or to large. We insure long haul trucking, cargo, home, auto,Farm Owners, Feed Mill and Elevator coverages. We also are an excellent source for life insurance, health insurance, annuities, IRA Accounts. Knowledgeable Staff Every person in our office knows how to serve your account. Competitive Rate We strive to provide quality insurance at reasonable rates. Availability We can be reached 24/7 via telephone, fax, E-mail, or our website. We want to be there for you. Meeting Your Needs We cater to the Agri Business at every level of production and service. forage, We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery. If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs. We are able to do all types of confined animal insurance, hogs, feed lots, etc. . We have great irrigation rates for center pivots. If you need any agri business protection check us out. Customer Support We sponsor and attend safety meetings to provide a safe worksite. Rodgers & Associates Team Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Tennessee, Missouri and Colorado. Rodgers & Associates is a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you. Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States. From our location in Phillipsburg, Kansas we serve middle America. Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.
FREIGHT CARGO INSURANCE 101

If you rely on shipping your products, you could lose a bundle, unless you have freight cargo insurance. Freight carriers are legally required to carry a minimum amount of insurance (“carrier liability”) of 10¢ per pound, and this total liability can be no higher than the invoice value of your shipment. Check with your carrier(s) for specific information on coverage, deductibles, and claims management.

Because your goods will probably be worth far more than these limits and freight is more susceptible to damage than smaller shipments, it makes sense to buy a freight cargo policy.

Some policies cover all modes of transit. Others only cover ocean vessels, or exclude warehouse storage. If you have separate insurance on your own warehouse, fine. If not, you’ll be vulnerable to a dangerous loophole for uncovered losses.

Anything can happen in transit from natural disasters, theft, damage, train derailment, accidents, fire, containers falling overboard, collision, to anything else you can think of. Freight cargo coverage sometimes excludes such perils as war and piracy. To learn which risks your policy does and doesn’t cover, read it carefully. For peace of mind, you can also take out “all risk” coverage (by paying a higher premium).

Bear in mind that freight cargo insurance covers only damage or loss to the goods transported, it will not reimburse you for lost time, labor, or shipping costs.

If you suffer a loss, file with a claim with your freight carrier and insurance company as soon as possible, preferably within 24 hours.

Because prices and coverages of freight cargo policies vary widely, our insurance professionals would be happy to help you shop for the best value. As always, we’re here to help.

Kimberly Beach
Other articles by: Kimberly Beach
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