What does spot price estimate mean?

We show an orientative spot premium estimate (shipper / broker). Not a binding quote or policy.

Can I put this number in a bid?

Only as an order of magnitude. The contractual figure comes from your policy or insurer quote.

Is this a retail / consumer micro-policy?

No. The estimate models commercial spot cargo premium (shipment, FTL, foreign trade), not a consumer policy.

Does all risk cover delay?

Usually not. Pure delay and consequential loss often need an endorsement. Check exclusions.

Is the carrier’s insurance enough?

Often no. Carrier liability is usually limited. Shippers typically need their own cover or an endorsement.

Where can I read more on the MX–U.S. corridor?

See our Mexico cargo insurance guide and the MX–U.S. crossing comparison.

Cargo insurance estimator Mexico–U.S. 2026 | OCL Cargo

Cargo insurance estimator

Spot premium estimate for shipment, FTL, and cross-border trade. Enter declared value, mode, and coverage for an orientative range. Not a consumer micro-policy or binding quote.

Declared value (MXN)

≈ $100,000 USD

Transport mode

Coverage type

Risk profile

Spot price estimate

MX$1,708,000 · Road (dry van / FTL) · All risk

Orientative spot range

Low

MX$5,466

As % of value: 0.32%

Mid

MX$6,832

As % of value: 0.40%

High

MX$8,198

As % of value: 0.48%

FX ref.: avg Aug 2026 · MXN per USD: 17.08 · ≈ 6,832 MXN mid

Spot price estimate — not a binding quote or policy

Typical exclusions (check your policy)

Pure delay or consequential loss without an endorsement
Insufficient packing or inherent vice
War, strike, or political risks without war/strike cover
Temperature / cold chain without sensors or reefer endorsement
Fraud, smuggling, or false value declaration
Theft with voluntary key handover / without forced-entry evidence

Read: cargo insurance in Mexico →Insurance at the MX–U.S. crossing →

Insurance does not replace trip evidence. Audit before Finance pays freight.

Book a diagnostic

What this estimator does

Free OCL Cargo tool to orient a spot cargo insurance premium (shipment / FTL / foreign trade) as a percent of declared value by mode, coverage, and Mexico–U.S. corridor risk. Not a retail micro-policy: it does not issue policies or binding quotes.

How the range is built

The typical spot case (MX dry-van road, all risk, standard corridor) starts at 0.40% of value ±20% (≈ 0.32 / 0.40 / 0.48%). We adjust for mode, coverage, high-theft corridors, or hazmat. High values (>USD 500k) get a soft underwriting factor. Always calibrate with your broker.

Important notice

This is an educational spot premium estimate, not an insurer quote or insurance advice. Real premiums depend on loss history, packing, route, endorsements, and deductible. Use the result to prepare the broker conversation.

FAQ

What does spot price estimate mean?: We show an orientative spot premium estimate (shipper / broker). Not a binding quote or policy.
Can I put this number in a bid?: Only as an order of magnitude. The contractual figure comes from your policy or insurer quote.
Is this a retail / consumer micro-policy?: No. The estimate models commercial spot cargo premium (shipment, FTL, foreign trade), not a consumer policy.
Does all risk cover delay?: Usually not. Pure delay and consequential loss often need an endorsement. Check exclusions.
Is the carrier’s insurance enough?: Often no. Carrier liability is usually limited. Shippers typically need their own cover or an endorsement.
Where can I read more on the MX–U.S. corridor?: See our Mexico cargo insurance guide and the MX–U.S. crossing comparison.

Spot price estimate. Not a binding quote. Your broker closes the policy.