What cargo insurance is for
When you haul someone else’s freight, you can be responsible for it. Motor truck cargo insurance is designed to help pay when covered freight is damaged or lost while in your care.
Things that affect your cargo coverage
- What you haul (some commodities are harder to insure than others)
- The value of the loads you carry
- Where you operate and your routes
- Your driving and claims history
- Requirements from the brokers or shippers you work with
Read the exclusions
Cargo policies can exclude certain causes or commodities and can require things like locked or attended vehicles. Before you buy, we walk you through what is and is not covered so there are no surprises when you need it.
A quote is not coverage. Coverage begins only when confirmed in writing by the insurance company. Availability and pricing depend on the carrier and your situation.
Questions
Do brokers require cargo insurance?
Many brokers and shippers ask for proof of cargo coverage and may set a minimum limit. Ask them what they require, and we can help you meet it.
Is cargo insurance the same as liability insurance?
No. Liability covers harm you cause to other people or their property. Cargo covers the freight you are hauling.