he article reveals the content of one of the most famous types of property insurance — cargo insurance. It describes its features, innovations and specifics, in particular approaches to determining the insurance value of cargo in Russia and abroad, the possibility of non-standard setting of insurance terms. The main problems of applying this type of insurance are listed and analyzed. They are associated both with the subjective perception of potential policyholders and with objective processes taking place in the Russian cargo insurance market. Special attention is paid to insurance of goods transported by road. The reasons that force policyholders to abandon their initial intention to enter into a cargo insurance contract are listed. The conclusion is made about the reasons that hinder its development in modern Russia.