This is the area of high loss frequency and large loss amounts – as much as $600,000. This is especially true of temperature-sensitive goods. Very often frozen seafood products arrive at the buyer's warehouse with evidence of being softened and refrozen, and “clean receipts” have been issued by the steamship company, local trucker, warehouse and the delivering trucker. All will deny liability in spite of the fact that there is physical evidence of damage. Who pays? You do, if you don't have your inland transit coverage in the cargo policy and you don't have the perils insured as outlined in “Cargo” herein.