Freight insurance that pays out regardless of carrier fault.
Standard carrier liability only covers a fraction of your shipment’s value, and only when you can prove the carrier was at fault. TLI Advantage+ covers the full value of your freight and resolves claims within 30 days of filing, without requiring proof of carrier negligence.
100%
Full Value Coverage
30 days
Typical Claim Resolution
33+
Years Managing Freight
What is freight insurance?
Freight insurance is a policy that covers the full commercial value of a shipment in the event of loss or damage during transit. Unlike standard carrier liability, this coverage pays out based on the declared value of the goods, not the carrier’s weight-based liability limit.
Most shippers assume their freight is covered if something goes wrong. In practice, standard carrier liability under the Carmack Amendment only pays up to a per-pound rate, requires proof of carrier negligence, and can take months to resolve. For a $50,000 shipment moving on a standard LTL rate, you may only recover a few hundred dollars.
TLI Advantage+ is freight insurance coverage built into your TLI program. You add it at booking, declare the shipment value, and TLI handles the rest if a claim is needed.
what standard carrier liability does not cover
Most shippers do not find out how little carrier liability covers until they file a claim. Here is what separates standard carrier liability from TLI Advantage+ coverage.
What you get by default
Pays per pound, not per value
Requires proof of carrier negligence
Claims can take 3 to 6 months
Carrier disputes can reduce payout
Does not cover full commercial value
TLI Advantage+ Coverage
Pays the Full declared value
No proof of negligence required
Claims resolved within 30 days
TLI manages the claim on your behalf
Added at booking in ViewPoint TMS
TLI is a licensed freight broker, not an insurance company. Additional freight insurance coverage offered through TLI Advantage+ is underwritten by an independent, third-party insurance provider. TLI facilitates the purchase of coverage at booking but does not act as the insurer or guarantor of any claim payout.
what freight insurance through TLIAdvantage+ covers
TLI Advantage+ covers loss and damage beyond what standard carrier liability pays. You add coverage on a shipment-by-shipment basis and applies across LTL, truckload, and other modes TLI manages.
Full Value Coverage
You declare the commercial value at booking. TLI Advantage+ covers that amount, not a per-pound rate set by the carrier.
No Fault Required
You receive a payout regardless of whether the carrier admits negligence. You do not need to prove anything.
30-Day Resolution
LI Advantage+ claims typically resolve within 30 days of filing. Standard carrier claims can take 3 to 6 months.
How to add freight insurance to a shipment
Purchasing insurance happens during your normal shipment workflow. You can also talk to your TLI account manager about automating coverage across your account.
Enter the Details of your Shipment into ViewPoint TMS
During the scheduling of a shipment, you will be able to add in your declared commercial value of the freight.
Additional Coverage is added to your quote
ViewPoint automatically calculates the coverage cost based on the declare value and applies it to the shipment quotes.
Insurance is Purchased at Time of Booking
Along with tendering to the carrier automatically, once a user books the shipment the insurance will be purchased. A certificate of insurance will be available to you at the booking confirmation screen.
If a claim is needed, notify TLI
TLI manages your claim on your behalf. You provide all the documentation required and TLI will handle the rest.
Check Received
Track open and resolved claims, recovery totals, and carrier claim rates across your freight program.
Reporting available for Advanced / Enterprise customers only.
Add freight insurance during booking in ViewPoint TMS
No separate policy to manage
TLI Advantage+ coverage is built into the ViewPoint TMS booking workflow. You enter the shipment value, ViewPoint quotes coverage automatically, and purchases the policy at booking. Everything you need for coverage at the moment of booking.
If you ship regularly, your TLI account manager can set up automatic coverage across your account so every shipment is covered without adding a step to your booking process.
Find out what your freight is actually worth if something goes wrong
Most shippers do not know how little carrier liability covers until they file a claim. TLI will review your current freight program, show you where your coverage gaps are, and walk you through what TLI Advantage+ looks like for your account.
Review your current carrier liability limits
Identify freight value gaps by mode and carrier
Show you how TLI Advantage+ works in ViewPoint
30-minute call, no commitment required
Talk to TLI about freight insurance
Tell us about your freight program and we’ll get back to you within one business day.
TLI is a licensed freight broker, not an insurance company. Freight insurance coverage offered through TLI Advantage+ is underwritten by an independent, third-party insurance provider. TLI facilitates the purchase of coverage at booking but does not act as the insurer or guarantor of any claim payout.
Other services from TLI
Freight claims is one part of TLI’s managed freight program. See all TLI freight services to understand how our services work alongside each other.
Freight Claims
If a shipment is not covered by TLI Advantage+, TLI still manages the freight claim with the carrier on your behalf.
Freight Audit
TLI audits every freight bill before payment goes out. Shippers recover an average of 2 to 3 percent of annual freight spend in billing errors caught before invoices are paid.
ViewPoint TMS
TLI Advantage+ coverage is added at booking inside ViewPoint. You enter the declared value and the policy is purchased before the shipment moves.
Common Questions About Freight Claims
Freight insurance is a policy that covers the full commercial value of a shipment if it is lost or damaged in transit. It pays based on the declared value of the goods, not the carrier’s weight-based liability limit.
Carrier liability is the limited protection a carrier provides under its contract, calculated per pound of freight. It requires proof of carrier negligence and typically pays far less than the actual value of the goods. Freight insurance covers the full declared value and does not require proof of fault.
TLI Advantage+ freight insurance covers shipments across the modes TLI manages, including LTL, truckload, and partial truckload. Coverage is confirmed at the time of booking.
TLI Advantage+ claims typically resolve within 30 days of filing. Standard carrier liability claims can take 3 to 6 months, and carriers can dispute or reduce the payout throughout that process.
The cost of TLI Advantage+ freight insurance is calculated based on the declared value of the shipment, the commodity being protected, and is quoted automatically at booking in ViewPoint TMS. Talk to your TLI account manager for details on coverage rates.
Yes. Freight insurance and cargo insurance refer to the same type of coverage. TLI Advantage+ is TLI’s freight insurance product, added at booking and managed through ViewPoint TMS.