Our cargo policy covers fire, theft, flood, and what the underwriters call an Act of Dog. This is any damage caused by a canine, directly or by implication. We have filed 22 such claims this year.
For example: a dog barks, the driver jumps, the parcel falls. Act of Dog. A dog is seen at a distance and the driver takes a detour into a ditch. Act of Dog. A dog is not present at all, but the driver thought he heard one. Pending, but leaning toward Act of Dog.
The deductible is $150. Gus will personally review every claim, usually while eating. Allow four to six weeks.
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