Motor Truck Cargo Insurance
Protect the goods you transport with comprehensive cargo coverage for theft, damage, and loss
What is Motor Truck Cargo Insurance?
Motor Truck Cargo Insurance protects the freight and goods you transport from damage, theft, or loss during transit. This coverage is essential for trucking companies, freight brokers, and anyone transporting valuable cargo.
Whether you're hauling refrigerated goods, construction materials, electronics, or general freight, cargo insurance provides financial protection when covered perils occur. Many shippers and brokers require proof of cargo coverage before allowing you to transport their goods.
What's Covered
Theft & Hijacking
Coverage for cargo stolen from your truck, trailer, or during loading/unloading operations, including hijacking incidents.
Collision Damage
Protection for freight damaged in vehicle collisions or accidents, covering repair or replacement costs.
Fire & Explosion
Coverage for cargo lost or damaged due to fire, explosion, or smoke damage during transport.
Weather Damage
Protection against damage from severe weather conditions including floods, hail, and windstorms.
Refrigeration Breakdown
Coverage for perishable goods spoiled due to refrigeration equipment failure during transit.
Loading/Unloading Damage
Protection for cargo damaged during loading and unloading operations at pickup or delivery locations.
Who Needs Motor Truck Cargo Insurance?
This coverage is essential for businesses that transport goods, including:
Trucking companies and owner-operators
Freight brokers and logistics companies
Delivery service providers
Refrigerated transport operators
Specialized haulers (hazmat, oversized, etc.)
Amazon and FedEx delivery contractors
Common Claim Scenarios
Cargo Theft
Thieves break into your trailer at a truck stop and steal high-value electronics worth $100,000.
Accident Damage
Your truck is involved in an accident, and the freight inside is damaged beyond repair or sale.
Refrigeration Failure
Mechanical failure causes your refrigeration unit to stop working, spoiling $50,000 worth of perishable food products.
Loading Dock Incident
A forklift operator accidentally damages expensive machinery during loading operations at the warehouse.
Related Insurance Products
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Coverage for your trucks, trailers, and commercial vehicles used in your hauling business.
Learn More →Equipment Coverage
Protect tools, equipment, and specialized gear used in your trucking operations.
Learn More →Protect Your Cargo Today
Get comprehensive motor truck cargo coverage tailored to your hauling needs. Our experienced agents specialize in trucking insurance.