Contingent Cargo Insurance
Contingent Cargo Insurance gives insurance protection to a company whose work is to provide carriers for loads in the event that a subcontracted carrier (truckman) causes damage to the cargo, and their insurance fails to respond because of a contingency.
The contingencies under which this coverage applies are detailed in the coverage form.
If you have purchased this type of insurance then check carefully to be sure that the contingencies you are covering are actually something that might possibly occur.
Take control of your insurance. Ask questions of your broker or agent. Get the answers so that you know what you have bought and what it will cover. You have paid for the help, get the advice you need.