Motor Truck CargoInsurance Solutions
Comprehensive freight protection from loading dock to delivery. Protect the cargo you haul with broad form coverage up to $250,000.
Why Motor Truck Cargo Insurance is Essential
Truckers assume enormous financial responsibility for the property they haul. Cargo insurance provides crucial protection against the unique risks of transporting freight.
Broad Form Protection
Comprehensive coverage that protects against a wider range of risks than standard cargo policies.
Transit Coverage
Protection during loading, transportation, unloading, and temporary storage at terminals.
Refrigeration Breakdown
Specialized coverage for temperature-controlled cargo and refrigeration equipment failure.
Theft & Security
Coverage for theft, mysterious disappearance, and cargo security incidents during transit.
Choose Your Specialized Cargo Coverage
Each trailer type and freight category has unique risks and requirements. Select your specific cargo type below to explore tailored coverage options and industry-specific endorsements.
Dry Van Cargo Insurance
Comprehensive motor truck cargo protection for general freight haulers. Covers packaged goods, retail freight, and non-perishable cargo during loading, transit, and unloading operations.
Common Loads Covered
Risks Covered
Who Needs This Coverage
Special Features
Coverage Options
Our broad form cargo insurance provides comprehensive protection against the full spectrum of transit risks your freight faces.
Fire and Collision
IncludedPrimary coverage for cargo damage due to vehicle accidents, fires, and collision-related incidents.
- Vehicle accident damage
- Fire and explosion coverage
- Rollover incident protection
- Multi-vehicle collision coverage
Theft and Pilferage
IncludedProtection against cargo theft, mysterious disappearance, and employee dishonesty.
- Cargo theft coverage
- Mysterious disappearance
- Employee dishonesty protection
- Pilferage and partial loss
Weather and Natural Disasters
IncludedCoverage for cargo damage caused by weather events and natural disasters.
- Hail and wind damage
- Flood and water damage
- Lightning strike coverage
- Natural disaster protection
Loading and Unloading
IncludedProtection during cargo handling operations at pickup and delivery locations.
- Loading dock accidents
- Crane and forklift damage
- Improper handling coverage
- Terminal storage protection
Refrigeration Breakdown
OptionalSpecialized coverage for temperature-sensitive cargo when refrigeration equipment fails.
- Equipment failure coverage
- Spoilage protection
- Temperature deviation losses
- Maintenance failure coverage
General Average and Salvage
OptionalCoverage for proportional losses and salvage expenses in multi-party cargo situations.
- General average contributions
- Salvage expense coverage
- Sue and labor costs
- Loss mitigation expenses
Coverage for All Types of Freight
We provide specialized coverage options tailored to different cargo types and risk levels in the trucking industry.
General Freight
Standard manufactured goods and consumer products
standardElectronics
Consumer electronics, computers, and technology equipment
specializedFood & Beverage
Packaged food products, beverages, and consumer goods
standardRefrigerated Goods
Perishable food items and temperature-controlled products
specializedAutomotive Parts
Vehicle components, tires, and automotive accessories
standardConstruction Materials
Building supplies, lumber, and construction equipment
standardHigh-Value Goods
Valuable merchandise requiring enhanced security
high riskHazardous Materials
Chemicals and regulated dangerous goods
high riskWhat's Included in Motor Truck Cargo Insurance?
Our comprehensive cargo policies include essential coverages and services that many other insurers exclude or charge extra for.
Debris Removal
Coverage for cleanup and removal of damaged cargo and debris after an incident.
Earned Freight Charges
Protection against loss of freight charges for undelivered loads due to covered incidents.
Pollution Cleanup
Environmental cleanup costs for cargo-related pollution or hazardous material spills.
Sue and Labor
Legal expenses and costs to prevent further loss to damaged cargo.
Reloading Expenses
Costs to transfer undamaged cargo to another vehicle after an incident.
General Average
Proportional contributions for shared losses in multi-party cargo situations.
Motor Truck Cargo Insurance FAQs
Common questions about motor truck cargo insurance coverage, requirements, and claims
Protect Your Freight withCargo Insurance
Don't let cargo losses destroy your trucking business. Get comprehensive motor truck cargo insurance coverage that protects your liability from loading dock to final delivery.
Get Your Free Quote
Fast, competitive cargo insurance quotes