Thames™ Dynamic, On-Demand Cargo Insurance
Old insurance can’t keep pace with modern freight.
Today’s supply chain moves faster than traditional insurance can handle. Brokers struggle to serve their clients, annualized policies price many shippers out, and shipments often go uninsured.
The result? A growing underinsurance crisis that leaves freight businesses exposed to unnecessary risk.
Finally, insurance that keeps up.
Thames is our dynamic, on-demand cargo insurance. It's affordable, all-risk, per-load coverage, with no annual policy required. Access it instantly through the Loadsure portal.
For shippers and freight owners: Need coverage for a single shipment? Get per-load insurance certificates in under 60 seconds.
For freight brokers: Protect clients on the spot. Quote and bind directly in our portal or embed Loadsure in your TMS in as little as 24 hours.
For insurance brokers: Offer clients self-service, accurately priced coverage so you can focus on complex risks and higher-value business.
What's the big idea?
Old insurance makes you wait hours or even days for a quote. You shouldn't.
Our dynamic pricing model uses real-time data and advanced algorithms to instantly match each shipment’s unique risk with the right price.
Every policy is tailored, certificates are issued on demand, and the whole process is designed to keep your freight moving without delay.
Who is Thames designed to protect?
- Freight owners & shippers
- Freight brokers
- Freight forwarders
- NVOCCs
- Freight boards
What coverage levels does Thames provide?
Thames delivers all-risk cargo insurance with true door-to-door protection against physical loss or damage, including General Average, loading and unloading incidents, Acts of God, and even civil commotion.
-Coverage limits up to $2 million per domestic or international shipment
-Coverage up to $100,000 for domestic and international LTL shipments
-High-value loads available (subject to underwriting review, pricing, and terms)
Thames. Advantage you.
Instant coverage – Get accurately priced, per-load certificates in under a minute.
Greater efficiency – Automate quoting, binding, and claims to save time and resources.
Faster claims – Accelerated settlements through Loadsure’s end-to-end automated process.
Flexible access – Use the Loadsure portal or integrate directly into your TMS workflow.
IMPORTANT RISK WARNING: Insurance products are subject to certain risks and uncertainties. While insurance is designed to provide coverage for various losses and liabilities, it is important to understand that it may not cover all potential risks or losses. The effectiveness of an insurance policy depends on the specific terms and conditions, exclusions, and limits of the policy. It is essential to read and understand the policy documentation before purchasing insurance. If you have any questions or uncertainties, please consult with a professional advisor. Remember, the purpose of insurance is to provide protection against potential future losses, and it is not intended as an investment product. It does not provide a return on investment like a savings account or investment product.
FAQs
Thames has up to $2 million in domestic international single shipment limits and up to $100,000 in domestic and international coverage for LTL shipments.
- Cash and Financial Instruments Documents — negotiable documents or instruments, monies of every description, securities, bonds, bullion, stamps, credit and debit cards including telephone calling cards.
- Pharmaceuticals — (other than FDA approved ‘over-the-counter’ pharmaceuticals which are not excluded), nutraceuticals (other than FDA approved ‘over-the-counter’ nutraceuticals which are not excluded), narcotics/narcotic based substances including but not limited to Marijuana, CBD, THC.
- Life Science Materials — Including but not limited to: biological materials (defined as goods used in medical and/or scientific applications to support, enhance, or replace damaged tissue or a biological function), blood or blood related substances, reproductive substances, and human related materials used for medical and/or scientific research.
- Luxury Goods — Furs, precious metals, precious stones, non-costume jewelry (including watches), perfumes, antiques and art.
Tech Goods: Mobile telephones.
- Live Animals / Plants — Living creatures and life forms of any type (other than plants and flowers for retail distribution).
- Other — Satellites, nuclear fuel, explosives, firearms, ammunition, fish meal, used household goods.
Thames policy claims handling is managed by the Loadsure in-house claims team.
The party with an insurable interest in the insured goods, as declared on the policy or certificate of insurance, will be indemnified in the event of an insured loss.
IMPORTANT RISK WARNING: Insurance products are subject to certain risks and uncertainties. While insurance is designed to provide coverage for various losses and liabilities, it is important to understand that it may not cover all potential risks or losses. The effectiveness of an insurance policy depends on the specific terms and conditions, exclusions, and limits of the policy. It is essential to read and understand the policy documentation before purchasing insurance. If you have any questions or uncertainties, please consult with a professional advisor. Remember, the purpose of insurance is to provide protection against potential future losses, and it is not intended as an investment product. It does not provide a return on investment like a savings account or investment product.