Motor truck cargo insurance
Covers the freight you haul if it is lost or damaged, subject to the policy terms. Brokers and shippers often set minimum limits.
What motor truck cargo covers
Motor truck cargo insurance pays for loss of or damage to the freight you are hauling while it is in your care, subject to the policy terms, limits and covered causes of loss. Which causes are covered, for example collision, fire or theft, depends on the policy.
Policies often have conditions and exclusions, such as for certain commodities, refrigeration breakdown or unattended vehicles. Tell us exactly what you haul so we can look at the right fit.
| Coverage | What it protects |
|---|---|
| Primary liability | Injury and property damage you cause to other people |
| Excess liability | Extra liability limits above your primary policy |
| Motor truck cargo | The freight you are hauling |
| Physical damage | Your own tractor, trailer or box truck |
| Trailer interchange | Trailers you pull that belong to someone else, under a written agreement |
| Workers' compensation | Injuries to your employees, where required and available |
Who needs cargo coverage
Carriers who haul freight for others, including owner-operators under their own authority. Brokers and shippers commonly ask for proof of cargo coverage and set minimum limits.
Some freight needs special handling or an endorsement, and some may not be eligible. We help you match coverage to your commodities and contracts.
What affects the cost
No two quotes are the same. We compare options from multiple carriers so you can see the trade-offs.
- What you haul and its value
- Limits and deductibles you choose
- Your operation: radius, routes and the states you run
- Your equipment and any security measures
- Your claims history
Other coverages we offer
Browse another coverage, or get a quote and we will help you choose.
Trucking
Commercial
Motor Truck Cargo questions
Quick answers before you request a quote.
Does cargo insurance cover my own truck?
No. Damage to your own tractor, trailer or box truck falls under physical damage coverage.
Is cargo insurance the same as liability?
No. Liability covers harm you cause to others. Cargo covers the freight you are hauling.
What if I haul refrigerated freight?
Refrigerated loads often need a specific endorsement for breakdown. Tell us what you haul and we will look at your options.
Are all commodities eligible?
Not always. Some commodities need special handling or may not be eligible with certain carriers.
What do you need to quote it?
What you haul, typical load values, your routes and radius, equipment, drivers and claims history.
Ready for a trucking quote?
Tell us about your operation and an advisor will follow up during business hours.