Standard carrier liability covers pennies on the dollar. Ocean carriers limit their exposure to about $500 per container under the Carriage of Goods by Sea Act (COGSA), regardless of what's inside. If you're shipping a 40-foot container of electronics worth $200,000 and it gets damaged in transit, carrier liability won't come close to covering your loss. That gap is where freight insurance matters. MeisterPrep works with established insurance partners who specialize in cargo coverage for ocean, air, and domestic shipments. We don't sell insurance directly. Instead, we connect you with underwriters who understand the specific risks of your product type, your trade lanes, and your shipping volume. Our role is to make sure the coverage you get actually matches what you're shipping, because a generic policy with exclusions for your product category is worse than no policy at all. This applies whether you're importing FCL containers from Shenzhen to Long Beach, shipping LCL pallets from Istanbul to Houston, or moving air freight from Ho Chi Minh City to Charleston. Each trade lane and product category carries different risk levels, and the insurance needs to reflect that. We see too many importers buying the cheapest policy without reading the exclusions, then finding out their specific product category wasn't covered when they file a claim.