Excess cargo coverage for trucking
Adds cargo limits above your primary motor truck cargo policy when a load is worth more than your base limit.
What excess cargo does
Excess cargo provides extra limits above your primary motor truck cargo policy. If a covered loss is larger than the primary limit, excess cargo can respond for the amount above it, subject to its terms.
It does not replace primary cargo coverage, and exclusions in the underlying policy can still apply.
Who needs it
Carriers hauling high-value freight, and operations whose broker or shipper contracts require cargo limits above a standard policy.
We explain what your contract asks for and how the options compare.
What affects the cost
No two quotes are the same. We compare options so you can see the trade-offs.
- The extra limit you request
- What you haul and its value
- Where and how far you run
- Your underlying cargo policy and loss history
What we will ask for
- Details of your current cargo policy
- Commodities and typical load values
- Operating radius and states
- Claims history
Other coverages we offer
Browse another coverage, see all services, or get a quote and we will help you choose.
Trucking
Trucking Programs
Commercial
Excess Cargo questions
Quick answers before you request a quote.
Does excess cargo replace my cargo policy?
No. It sits above your primary cargo policy, which must stay in place.
Is it the same as excess liability?
No. Excess cargo adds limits for the freight you haul. Excess liability adds limits for injury and property damage you cause to others.
Do I need it?
Only if your freight value or contracts call for more than your base cargo limit.
Hauling high-value loads?
Tell us about your needs and an advisor will follow up during business hours.