Pallet with single cargo layer having inserts

A pallet includes a cargo layer, a base layer and support structures coupled between. The cargo layer includes a pair of horizontally positioned outer deck boards and at least one horizontally positioned intermediate deck board therebetween. The at Ieast one horizontally positioned intermediate deck board has opposing sidewalls, and a spaced apart openings at Ieast partially extending through the opposing sidewalls. The pair of horizontally positioned outer deck boards have opposing sidewalls, and spaced apart openings extending through at least one of the sidewalls of each outer deck board. The spaced apart openings in each horizontally positioned outer deck board are aligned with the spaced apart openings in an adjacent sidewall of Ieast one horizontally positioned intermediate deck board. Inserts are in the spaced apart openings.