Drivers regularly haul more value than their cargo limits therefore exposing clients.  We have a unique policy that covers whatever we broker at $1M. That means, if we broker out a car worth $500k to a driver with $500k in cargo insurance and he then loads 3 more cars worth that much without telling us, he is now hauling $2M in freight.  The $500k he presented before loading the last three has been exhausted.  Should he have a total loss on all 4, our  customer would be splitting a $500k check 4 ways.  With our policy, our car alone is insured at $1M in addition to the carriers $500k.  Dealer owned cars are not insured once they leave the lot.