Any commercial insurance experts in the house?

Trying to ship a semi truckload of stuff, and not sure whether the company is insured for my purposes. The load is worth a lot and they assure me they are covered in the event of a crash or some other circumstance. But I am not sure if they are covered from my lawsuit, or they have the coverage to pay me for my loss. Especially if the crash was determined to not be the fault of their driver. So in short I am suspicious.  Anyone able to interpret this certificate? I have tried calling the insurer but they are very careful not to answer calls from the riffraff. 

I AM NOT AN INSURANCE PERSON so take this with a large grain of salt, but I do see commercial liability forms like this regularly.

The way I am reading that is that you are covered up to $1,000,000 for general liability (which would include damage to client cargo), plus an additional $250,000 specifically for cargo, should it be more than $1M in damage, or if other damage liability eats into that amount.

Again, I am not an insurance person, and I don't even play one on TV.

I am not an insurance person, but I do have my own commercial policies. That form looks fine.

The way I understand it if the accident is not their fault, it is not your problem. That policy above will pay you and they go after the person that caused the issue.

You are contracting with them, and they are covered. Anything else in the background does not matter

Thanks guys! I did finally speak with an agent and they assured me that I was covered.

Now the real question-  what SEMI TRUCKLOAD of high value goodies are you shipping?  Sounds suspect, hehe.