This coverage is often overlooked and significant areas of risk go uninsured. Based on terms of sale, coverage should be designed to address both incoming and outgoing shipments of goods. The insured value, what you will be paid at time of loss, is normally inadequate in the standard policy. Furthermore, many policies limit coverage to the insured’s own vehicles, eliminating coverage when goods are on vehicles of others. Key comparisons are causes of loss covered, restrictions on travel, warranties (particularly ones regarding locked car), enclosures and alarm systems, and valuation.