Online Cargo Insurance Rates
for Instant Coverage
For any single shipment, parcel, package or Move.
Listed in the tables below are the online insurance rates, for if you need to purchase coverage immediately and don’t have time to get a quote for your particular shipment OR if you already shipped your items! Yes, we can cover shipments already in transit!
The online rates below are available to anyone for instant coverage without pre-approval.
Last minute shipment/move? That’s ok, get instant coverage now!
To request a quote for our “Preferred Rates”, please call or submit a quote request. Otherwise, you may purchase immediately via the online rates listed below.
If you have already received a Quote, disregard this page. You may input your quote on the order form and purchase coverage now.
The Insurance companies groups items into categories according to the risk level associated with those items. Higher risk categories have higher insurance rates and different deductibles. The rates for every category are listed in the tables below.
The rates are per $100.00 value of insurance coverage.
Please follow the steps below to calculate your policy cost.
How to Calculate Your Policy Cost
To get an instant price quote, follow the 4 steps below.
You can also call: Toll Free: 1 (800) 541-0700
email: info @ pafinsurance dot com or
submit a quote request
1) Determine Your Insurance Value.
This is either the total replacement cost value of your shipment or goods. or Invoice value. You may include freight shipping or moving costs.
2) Determine Your Insurance Category
What’s My Insurance Item Category?
Please use the category lookup below to help you. Select any category from the drop down menu below and it’s definition will appear in the box beneath it. Choose the category that best describes what your shipping. It is important to select the correct category to ensure you get an accurate insurance quote and proper coverage for your items.
3) Find the insurance rate for your category in the tables below.
Last Step! To calculate your quote/policy cost: divide your insurance value by 100 and then multiply by the insurance rate.
For Example:
A policy for basic coverage for a domestic shipment of Computers worth $5000 shipping by Land, would cost $62.50 ($5000 divided by 100=50 x $1.25 rate=$62.50), see column highlighted yellow in the domestic rates table below.
You can also call: 800-297-7550 or submit a quote request
If your calculated policy cost (according to the rates in the tables below) falls below the minimum charge, your policy cost will be the minimum charge listed in the following table below:
Minimum Charges:
| TOTAL LOSS Coverage | BASIC Coverage | ALL RISK Coverage |
|---|---|---|
| There is a $45.00 Minimum charge for a Total Loss policy. | There is a $50.00 Minimum charge for a basic risk policy. | There is a $90.00 minimum charge for an All Risk policy. |
Basic Coverage Insurance Rates –
for DOMESTIC Shipments (within USA & Canada)
Rates are per $100.00 value of insurance coverage
For Total Loss Coverage Deduct $0.25 cents from the Basic coverage rates below.
For ALL Risk Coverage Add $0.80 cents to the Basic coverage rates below.
| COMMODITY CATEGORY | LAND | OCEAN | AIR |
|---|---|---|---|
| General Merchandise | 0.55 | 0.66 | 0.60 |
| New or Used Machinery | 0.55 | 0.66 | 0.60 |
| Household Goods | 1.70 | 2.25 | 2.03 |
| Fragile Goods | 2.94 | 3.64 | 2.50 |
| Computers/Electronics | 1.25 | 1.60 | 1.50 |
| Fine Arts | 1.70 | 2.25 | 2.03 |
| Motorcycles & Autos | 0.80 | 1.20 | 1.00 |
| Precision Instruments | 1.25 | 1.60 | 1.50 |
| Chemicals/Hazardous Mat. | 0.65 | 1.00 | 0.80 |
| Steel Sheets, Coils & Bars | 1.13 | 2.28 | 1.50 |
| Branded Goods | 0.60 | 1.00 | 0.70 |
| Non Perishable Food | 0.55 | 0.66 | 0.50 |
| Bottled Beverages | 0.60 | 1.00 | 0.70 |
| Bottled Products/non beverage | 0.55 | 0.66 | 0.50 |
| Frozen Foods (excluding meat) | 1.30 | 1.90 | 1.60 |
| Frozen Meats | 1.40 | 2.40 | 1.70 |
| Yachts | 0.95 | 1.45 | 1.15 |
| Jewelry (all types) 5.00 for all risk | 3.00 | 3.00 | 3.00 |
Basic Coverage Insurance Rates –
for INTERNATIONAL Shipments (Outside US & Canada)
Rates are per $100.00 value of insurance coverage
For Total Loss Coverage Deduct $0.25 cents from the Basic coverage rates below.
For ALL Risk Coverage Add $0.80 cents to the Basic coverage rates below.
| COMMODITY CATEGORY | OCEAN | AIR |
|---|---|---|
| General Merchandise | 0.87 | 0.81 |
| New or Used Machinery | 0.87 | 0.81 |
| Household Goods | 2.59 | 2.49 |
| Fragile Goods | 4.55 | 3.22 |
| Computers/Electronics | 1.92 | 1.67 |
| Fine Arts | 2.59 | 2.49 |
| Motorcycles & Autos | 2.12 | 1.87 |
| Precision Instruments | 1.92 | 1.67 |
| Chemicals/Hazardous Mat. | 1.07 | 0.92 |
| Steel Sheets, Coils & Bars | 2.85 | 1.87 |
| Branded Goods | 1.07 | 0.92 |
| Non Perishable Food | 0.87 | 0.81 |
| Bottled Beverages | 1.07 | 0.92 |
| Bottled Products/non beverage | 0.87 | 0.81 |
| Frozen Foods (excluding meat) | 2.00 | 1.62 |
| Frozen Meats | 2.62 | 1.75 |
| Yachts | 1.44 | 1.06 |
| Jewelry (all types) 7.00 for all risk | 5.00 | 5.00 |
Basic Coverage Insurance Rates –
for MEXICO Shipments
Rates are per $100.00 value of insurance coverage
For Total Loss Coverage Deduct $0.25 cents from the Basic coverage rates below.
For ALL Risk Coverage Add $0.80 cents to the Basic coverage rates below.
| COMMODITY CATEGORY | OCEAN | AIR |
|---|---|---|
| General Merchandise | 1.00 | 1.45 |
| New or Used Machinery | 1.00 | 1.45 |
| Household Goods | 2.80 | 2.50 |
| Fragile Goods | 4.75 | 3.50 |
| Computers/Electronics | 1.65 | 1.95 |
| Fine Arts | 2.80 | 2.50 |
| Motorcycles & Autos | 1.65 | 1.85 |
| Precision Instruments | 2.15 | 2.45 |
| Chemicals/Hazardous Mat. | 1.50 | 1.65 |
| Steel Sheets, Coils & Bars | 1.28 | 1.65 |
| Branded Goods | 1.45 | 1.65 |
| Non Perishable Food | 1.40 | 1.65 |
| Bottled Beverages | 1.45 | 1.55 |
| Bottled Products/non beverage | 1.40 | 1.65 |
| Frozen Foods (excluding meat) | 2.15 | 2.45 |
| Frozen Meats | 2.25 | 2.55 |
| Yachts | 1.80 | 2.00 |
| Jewelry (all types) 7.00 for all risk | 5.00 | 5.00 |