Insure your US freight in seconds
美国境内货运保险 · 按申报货值在线预估保费
LTL 散板 · Truckload 整车 · Drayage 拖柜 · Parcel 包裹 —— enter your declared cargo value and get an instant premium estimate. 输入货值,秒出保费,微信客服一键投保。
散板 LTL
Less-than-truckload / partial. 保费按板数计（每板保 $2,000）· Premium by pallet count (each pallet insured at $2,000); declared value sets the claim ceiling.
免赔额 Deductible：每次事故 RMB 1,000（约 $140）或损失金额的 10%，两者取高 · the greater of RMB 1,000 (approx. $140) or 10% of the loss, per occurrence.
整车 TL
Full truckload. ≤$200k → 万1.5;≤$400k → 万1.25。Per-truck coverage up to $400,000.
免赔额 Deductible：每次事故 RMB 5,000（约 $710）或损失金额的 10%，两者取高 · the greater of RMB 5,000 (approx. $710) or 10% of the loss, per occurrence.
包裹 Parcel
Small parcels / FBA. Itemized value-based coverage, claim by declared commodity value.
零免赔 No deductible · 按约定货值赔付 · settled on the agreed declared value.
地板货 Floor Load
Loose / non-palletized floor-loaded freight. 保费按方数计（每方保 $500，不足一方按一方）· Premium by cubic metre ($500 insured per CBM, rounded up); claims are apportioned across total CBM and total pieces.
零免赔 No deductible
Ready to insure? 需要投保?
Get your quote above, then reach our team on WeChat to issue the policy. 取得报价后,微信联系客服即可出电子保单。
Register / 注册下单 Contact us / 联系客服
🧾 理赔与报案 · Claims
保险由 中国太平洋保险（CPIC） 承保,出险后按以下通道报案理赔 Claims are handled by the underwriter CPIC:
- 在线理赔报案 Online: cpic.com.cn → 服务大厅 → 在线理赔报案(全球可访问 web-based)
- 联系我们客服 Our team: 微信/邮件协助报案、对接太保理赔 — we assist and liaise with CPIC
- 太保官方热线 CPIC hotline: 95500(中国 7×24 客服,境内拨打 China domestic)
- 报案需备 For a claim: 保单号、品名、件数、单价、损失情况 — policy no., commodity, count, unit value, loss detail
出险请第一时间保留证据并报案,我们客服全程协助。Keep evidence and report promptly — our team assists throughout.
FAQ 常见问题
How is the premium calculated? 保费怎么算?
It depends on the plan ($1 minimum): LTL by pallet count (each pallet insured at $2,000), Truckload by truck count (per-truck coverage), Floor-load by cubic metres (each CBM insured at $500, rounded up to the next whole CBM), FBA/Parcel by declared value. The full-value plan adds a 110% (×1.1) CIF uplift; the fixed-coverage plans do not. 保费按方案（最低 $1）:散板 LTL 按板数（每板保 $2,000）、整车按车数、地板货按方数（每方保 $500,不足一方按一方计）、FBA/包裹按申报货值。仅足额/按货值方案含 110%（×1.1）CIF 加成,固定保额方案不加成。地板货赔付按总方数与总件数均摊。
Is there a deductible? 有免赔额吗?
Yes — it depends on the plan, and it is the greater of a fixed amount or 10% of the loss, per occurrence. Value-based plans (full-value LTL, floor-load, FBA/parcel) carry no deductible. Fixed-coverage plans do: LTL by pallet — RMB 1,000 (approx. $140) or 10%; Truckload — RMB 5,000 (approx. $710) or 10%. 有的,按方案不同,且为「固定金额」与「损失金额 10%」两者取高。按货值投保的方案（足额 LTL、地板货、FBA/包裹）零免赔;固定保额方案有免赔:散板 LTL RMB 1,000（约 $140）或 10%,整车 RMB 5,000（约 $710）或 10%。免赔额以保单人民币金额为准,USD 为按近期汇率的约数,理赔时按结算汇率折算。
What's the max value I can insure online? 在线投保货值上限?
Up to $550,000 per shipment online. Higher values need manual underwriting — contact us; the policy allows up to $600,000 per conveyance, subject to review. 单票 $550,000 以内可在线投保;更高货值请联系客服人工核保(保单每一运输工具最高赔偿限额 60 万美元)。
Drayage / rail? 拖柜 / 火车?
Container drayage and rail are insurable when you declare a cargo value — reach out and we'll quote manually. 拖柜/火车需申报货值,联系客服人工报价投保。
What do I need for a claim? 理赔需要什么?
Keep your commodity description, piece count and unit values — the basis for any claim, filed with underwriter CPIC (see Claims above). 保留品名、件数、单价（理赔依据）;由承保方中国太平洋保险(CPIC)受理,报案通道见上方"理赔与报案"。
