## [Additional Coverage Options](/additional-coverage-options)
# Additional Coverage Options
All shipments include standard carrier liability, which provides baseline coverage while your freight is in transit. If you need more protection, there are additional coverage options to consider.
Use the information below to understand the options and choose what makes sense for your shipment.
#### Important Coverage Notice
The information provided on this page is for general informational purposes only. Coverage availability, limits, terms, conditions, exclusions and eligibility requirements vary by option and are governed exclusively by the applicable 111s, tariffs and coverage documents.
## Excess Liability Coverage
Excess Liability Coverage provides additional protection by extending ABF Freight’s standard carrier liability limits based on the shipment’s declared value.
### Coverage overview
- Extends standard carrier liability limits
- Coverage is based on the shipment’s declared value
- Maximum available limit: up to $250,000 per shipment
### Availability
- Available only for ABF shipments
- Limited to customers using published LTL pricing
### Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold, silver and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants.
### Additional information
Excess Liability Coverage applies only as an extension of ABF’s standard liability and does not replace it. Declared value is required on the bill of lading for Excess Liability Coverage to apply.
[See ABF Excess Liability Coverage terms in the ABF 111](https://arcb.com/sites/www/files/2025-08/ABF-111-AT-08-04-2025.pdf#page=72)
## Premium Cargo Coverage
Premium Cargo Coverage provides increased protection based on the covered value of the shipment and replaces ABF Freight’s standard carrier liability.
### Coverage overview
- Replaces standard carrier liability
- Coverage is based on the shipment’s covered value
- Maximum coverage limits depend on commodity type: New commodities: up to $250,000, Trade show commodities: up to $50,000, Other-than-new commodities: up to $25,000
### Availability
- Available to ABF customers using Dynamic Pricing
- Available to approved ABF customers with published LTL pricing
### Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold, silver and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants.
###
Additional information
Premium Cargo Coverage replaces ABF’s standard liability and excess liability. Coverage availability and limits are subject to commodity classification and approval. Terms, conditions, exclusions and limitations apply.
[See ABF Premium Cargo Coverage terms in the ABF 111](https://arcb.com/sites/www/files/2025-08/ABF-111-AT-08-04-2025.pdf#page=73)
## All-Risk Shippers' Interest Insurance
All-Risk Shippers' Interest Insurance provides cargo insurance for LTL brokerage shipments while freight is in transit. This coverage is broader than a carrier’s required legal liability coverage.
### Coverage overview
- Replaces standard carrier liability
- All‑risk cargo insurance during transit
- Coverage applies to qualifying loss or damage events
- Maximum available limit**:** up to lesser of $1,000,000 per shipment or actual cash value
- **Charges:**
$.35 per $100 of insured value ($15 minimum)
$15 Admin Fee
- **Deductible:**
$0 for Insured Value < $10,000.01
$500 for Insured Value < $25,000.01
$1,000 for Insured Value < $100,000.01
2% of Insured Value for Insured Value > $100,000
### Availability
- Available for LTL brokerage shipments
### Excluded commodities
Accounts, bills, currency, cash, evidence of debt, checks, money orders, COD payments, coins, gold, silver, and other precious metals, gemstones (loose stones), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, jewelry over $1,000 USD per piece, neon items, bulk products, perishable goods or similar property (when not carried or stored in a temperature controlled environment), pharmaceutical drugs, live animals, flowers, plants, cotton, grandfather/grandmother clocks, automobiles/motorcycles, plate/flat glass.
### Additional information
Shippers' Interest coverage is subject to applicable policy terms, exclusions and limitations.
To be eligible, Shippers' Interest Insurance must be purchased at the time of booking, and the coverage must be reflected on the bill of lading at the time of pickup.
When Shippers' Interest Insurance is selected at the time of booking, the coverage is coordinated by ArcBest for the shipper's benefit. Shippers' Interest Insurance is offered through McGriff Insurance Services, Inc., or one of its legal affiliates, acting as the insurance agent.
[See Shippers' Interest terms and conditions](/sites/www/files/2026-05/Shippers-Marine-Policy.pdf)