Louisiana P&C Adjuster Practice Exam 2026 – All-in-One Test Prep

Goods in transit insurance is specifically designed to cover loss or damage to goods while they are being transported from one location to another. This type of insurance is crucial for businesses that frequently ship products, as it protects them against financial loss due to unforeseen events such as theft, collisions, or natural disasters that could harm the goods during transportation.

While the other options touch on aspects related to transportation, they do not accurately capture the primary focus of goods in transit insurance. Accidental injuries during transportation refer more to liability and workers’ compensation, liability incurred from delivery drivers addresses responsibility for damages caused by drivers, and premium discounts for regular shippers pertain to cost-saving measures rather than the core purpose of the insurance itself. Thus, the coverage directly aligns with protecting the goods being transported, which makes it the correct choice.