---
title: "Insurance Settings for LTL Services"
url: "https://rc6ot1pavceoyoa.productfruits.help/en/article/insurance-settings-for-ltl-services"
language: "en"
last_updated: "2025-11-13T21:55:17.789Z"
---

# Insurance Settings for LTL Services

To enhance the customer shipping experience and safeguard high-value commodities, Cabo includes a built-in option to add third-party insurance directly from the booking page. Reps can customize insurance pricing in two ways:   

## Insurance Margin and Minimums 

The most common approach is to set both a margin and a minimum charge. 

-   **Insurance margin** adds a percentage to the insurance provider's quoted amount. This percentage is set by the customer's sales rep.  
-   The **insurance uplift minimum** is the dollar amount charged on top of the insurance provider's quoted amount if the insurance margin does not meet or exceed this minimum.  

![](https://cdn-assets.productfruits.com/8330dc9b-35bc-49e2-a0c6-df4335b9da8b)

**ℹ️Adjust Insurance Settings for Competitiveness.** If a competitor wins the quote when insurance is included, consider lowering the insurance margin or minimum to stay competitive (while keeping your overall shipment margin intact). 

###  Setting Insurance Margin and Minimum: 

**Navigation:** Customer > LTL > Preferences > Billing > Rates & Insurance 

1.  Enter your desired **Insurance Margin**. 
2.  Enter the **Insurance Uplift Minimum** .  

![Rates & Insurance  ENABLE MARGIN ENHANCEMENT  ON  When disabled, margin enhancement will not be used.  INSURANCE MARGIN  INSURANCE UPLIFT MINIMUM  LOWEST LTL RATE AUTO ADJUST MINIMUM  LOWEST VOLUME RATE AUTO ADJUST MINIMUM  AMOUNT  AMOUNT  AMOUNT  23.08  20  40.23  9999  Update Rates & Insurance](https://cdn-assets.productfruits.com/c3c72caf-9016-4ae5-aeb4-ae0fd82390f2) 

When updating the insurance margin and/or minimum, click **Update Rates and Insurance** to save your changes. 

![Rates & Insurance  ENABLE MARGIN ENHANCEMENT  ON  When disabled, margin enhancement will not be used.  INSURANCE MARGIN  INSURANCE UPLIFT MINIMUM  LOWEST LTL RATE AUTO ADJUST MINIMUM  LOWEST VOLUME RATE AUTO ADJUST MINIMUM  AMOUNT  AMOUNT  AMOUNT  23.08  20  40.23  $  9999  Update Rates & Insurance](https://cdn-assets.productfruits.com/6cafcfc0-afe1-472c-b1ae-8f4a39dc1988) 

### Default Freight Insurance Amount 

For some customers, it may be more appropriate to charge a default flat rate for insurance. To configure this, navigate to **Customer Account > LTL > Preferences > Shipments**. 

![Billing  Profile LTL Truckload Cards Card Requests Audit History Notes CRM  Apply Profile  Save preferences  Carriers  Quotes  Control quote values, settings, and the overall flow for the customer.  Shipments  Control shipments values, settings, and the overall flow for the customer  Quotes  DEFAULT FREIGHT INSURANCE AMOUNT  $  AMOUNT  The default amount for additional freight insurance.](https://cdn-assets.productfruits.com/ec990ec8-daec-4fdb-bedb-9ef36a998d2c) 

ℹ️ Use this method when a consistent, predictable rate is needed—something your customer can budget for and expect on each shipment.