CARGO insurance is a sub-category of Marine insurance which merits its own in-depth discussion. This insurance provides coverage against physical damage or loss of goods during shipping, whether by land, sea or air. Because of the many dangers inherent in shipping, most individuals and businesses choose to insure their goods while they are in transit ; additionally, this insurance is typically necessary due to laws that limit the liability transportation carriers. Due to the fact that many different types of cargo insurance are available, it is important that you work with Poe-ma insurances to know exactly what you need before purchasing the insurance, or you may find yourself not covered for every eventuality.