📋 Your Cargo Profile
Enter your average shipment value, monthly load volume, and how often claims occur. Then set your deductible, cargo limit, contingent responsibility share, and reserve percentage to estimate expected monthly claims, a reserve to set aside, and your uninsured exposure.
Planning estimate only. This calculator provides planning estimates only. It is not insurance, actuarial, or legal advice. It does not set or guarantee actual reserves or coverage. Figures depend entirely on the accuracy of the numbers you enter and do not reflect your specific policy terms, exclusions, broker–carrier contracts, salvage recovery, or claim-by-claim variance. Confirm exposure and reserves with your insurer, broker, and accounting records before making coverage or financial decisions.
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Frequently Asked Questions
What is aggregate cargo claim exposure?
The expected cost of cargo claims across your loads over time, based on how often claims happen and how much of each you carry — not the cost of one specific claim.
How is this different from the Cargo Claim Cost Estimator?
The Cost Estimator details the full cost of a single claim (commodity value, salvage, admin time). This Exposure Calculator looks forward across your volume to estimate expected monthly claims, a reserve to set aside, and your uninsured exposure.
What is uninsured exposure here?
The portion of an expected claim your insurance does not cover — the deductible plus any amount above your cargo limit — scaled by your broker responsibility share and how often claims occur.
How should I pick a reserve percentage?
It is the share of shipment value you set aside per expected claim as a cushion. Use your historical claim outcomes if you have them; the tool only estimates and does not set actual reserves or coverage.
Tracking cargo-claim exposure across your book?
Broker Command keeps your claim frequency, reserves, and uninsured exposure in one dashboard. Free to calculate. Pro to save.
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