FAQ Page

For standard shipments, our Quick Quote and Buy feature provides instant coverage. Once you complete a Full Declaration form with your commodity details, route, and insured value, you'll receive immediate pricing. After payment is confirmed, certificates are issued the same business day if paid before 6:00 PM PST, or the next morning if paid after 6:00 PM PST. This applies 365 days per year, including weekends and holidays. For complex or high-value shipments requiring Full Declaration, approval typically takes 24-48 business hours.

We offer multiple payment options to suit your business needs: • Credit Card (Instant): Visa, Mastercard, and American Express accepted through our secure portal. We do not store or require you to save your credit card information - each transaction is processed securely on a one-time basis. • E-Transfer: Available for Canadian accounts. Must be arranged through your billing account manager at accounting@inmanmaritime.com. Processing typically completes within 2-4 hours during business hours. • ACH Transfer: Available for US accounts. Contact accounting@inmanmaritime.com for banking details. Processing takes 1-2 business days. • Wire Transfer: Available for international payments. Contact accounting@inmanmaritime.com for banking details and SWIFT codes. Processing takes 2-3 business days depending on your originating bank. • Credit Terms: Available only to approved customers who have successfully completed our mandatory business and personal credit check. Credit-approved accounts receive Net 30 payment terms from invoice date.

New accounts begin with a standard policy limit of $30,000 per shipment. This represents the maximum insured value allowed for a single shipment under your current approval level. If your shipment exceeds this amount, you can request a temporary or permanent limit increase through the Policy Limit Increase feature in your portal. Approval for limit increases depends on your account history (minimum 6 months), risk score (typically 650 or higher required), payment history, and business justification. Most limit increase requests are reviewed within the same business day. For new accounts who require a higher limit, documentation or business ownership verification is required. Status LA-003 will apply.

YES! We issue certificates 24 hours a day, 7 days a week, 365 days per year with absolutely no delays on weekends or holidays. Our system operates continuously to ensure you receive coverage when you need it. The same 6:00 PM PST cutoff applies every day of the year - payments confirmed before this time result in same-day certificate issuance, while payments after 6:00 PM PST are issued the following morning. This includes Christmas, New Year's, Thanksgiving, and all other holidays.

You have several options: • Temporary Increase: Request a one-time limit increase for a specific shipment through the portal. If approved, you'll receive status code LA-013 (Approval Granted - Single Shipment) and your limit will return to the standard amount after that shipment completes. • Permanent Increase: Apply for a permanent limit increase if you regularly ship high-value cargo. This requires meeting minimum criteria including 6+ months account history and a risk score of 650 or higher. • Urgent Shipments: For time-sensitive shipments, contact our underwriting team directly at underwriting@inmanmaritime.com or call during business hours for expedited review.

Our claims process follows a structured timeline: • Initial Review: 24-48 hours from submission. Our claims team acknowledges receipt and performs preliminary reviews of your documentation. • Investigation: 5-15 business days depending on complexity. This may include surveyor reports, carrier investigation, and damage assessment. • Settlement: Upon approval, settlement is processed within 5-7 business days. Payment is issued via your preferred method (check or electronic transfer). For straightforward claims with complete documentation, the entire process often completes in 2-3 weeks.

: Required documentation includes: • Insurance Certificate: Your certificate number and policy details • Commercial Invoice: Showing the insured value of goods • Packing List: Itemized list of contents • Bill of Lading or Air Waybill: Transportation document • Survey Report: Independent assessment of damage (for claims over $5,000) • Photographs: Clear images showing damage or loss • Carrier Documentation: Any reports or correspondence from the carrier • Repair Estimates or Invoices: If applicable All documents can be uploaded directly through the portal in PDF, JPG, PNG, or common Office formats (maximum 10MB per file).

Your premium is calculated based on several factors: 1. Commodity Type: Each commodity has a base rate reflecting its risk profile 2. Route: North America routes typically have lower rates than international routes 3. Transportation Mode: Inland, Ocean, or Air freight 4. Coverage Option: All Risk, Named Perils, or specialized coverage 5. Insured Value: Total insured value = (Invoice Value + Transportation Costs) × 110% 6. Rate Application: Premium = (Total Insured Value ÷ 100) × Rate 7. Minimum Premium: $45 for all transportation modes 8. Taxes and Fees: Surplus lines tax (3-5%), stamping fees ($5-15), and applicable state/provincial taxes Use our Quick Quote feature for instant accurate pricing specific to your shipment.

Once a certificate is issued and paid, it represents an active contract of insurance. Modifications or cancellations must be requested in writing to underwriting@inmanmaritime.com. • Before shipment departure: Modifications to coverage amount, commodities, or other details may be possible. Cancellations for full refund are possible if the shipment has not yet commenced. • After shipment departure: The policy is in force and modifications are typically not permitted. Cancellations may result in short-rate refunds based on time elapsed. • Emergency Changes: For urgent modifications, contact underwriting@inmanmaritime.com immediately with your certificate number.

Your risk score is a numerical rating (0-1000) that reflects your account's overall performance and reliability. It affects: • Premium Rates: Higher scores (850+) qualify for 5-10% discounts • Policy Limits: Higher scores allow approval for larger policy limits • Processing Speed: Higher scores receive faster approval times • Documentation Requirements: Higher scores may have reduced documentation needs Your score is influenced by: • Positive Factors: Account age, claim-free periods, successful shipments, on-time payments, accurate documentation • Negative Factors: Active claims, claim frequency, claim severity, late payments, inaccurate shipment information Check your current score on your dashboard and review Chapter 8 for detailed information on improving your score.

Yes! We provide comprehensive worldwide coverage across three route categories: • North America: US, Canada, Mexico • World to/from Latin America: Any shipment to or from Central America, South America, or the Caribbean • World to World: Any international route including Europe, Asia, Africa, Middle East, and Oceania Some high-risk regions or routes under international sanctions may require special underwriting review or may have coverage restrictions. Contact underwriting@inmanmaritime.com for clarification on specific countries or regions.

Follow these steps immediately: 1. Document the Damage: Take photographs and videos before any goods are moved or unpacked 2. Notify the Carrier: Report damage to the delivery carrier immediately and request a written exception report 3. File a Claim: Log into the portal and file a claim within 30 days of delivery 4. Preserve Evidence: Keep all damaged goods and packaging until the claim is settled 5. Obtain Surveys: For claims over $5,000, arrange for an independent surveyor to inspect and document damage 6. Submit Documentation: Upload all required documents through the portal Our claims team at claims@inmanmaritime.com will guide you through the process and keep you updated on claim status.