Contingent Cargo Insurance is a secondary insurance that covers some or all of the cost of handling, storing, getting rid of or replacing cargo that’s refused, damaged or lost. This insurance is usually carried by a trucking brokerage firm. It protects the customer who is having the goods delivered. It pays only if primary insurance doesn’t pay out. It is called contingent cargo insurance because it covers unexpected expenses that aren’t covered in a primary insurance policy. Massey Insurance provides this additional coverage for both the brokerage firm and the trucker as the cargo is the main reason for this type of business.