Why might my cargo claim be denied?

Often because the commodity is excluded or limited, the limit is too low, or a condition was not met. Reefer, auto-hauling, and high-value goods are common gaps. We check the terms.

How much cargo coverage do I need?

Enough to cover the value of what you haul and what your contracts require. A generic limit can leave a shortfall on a big load. We match it to your freight.

Motor Truck Cargo - Vantage Point Risk

Motor truck cargo insurance.

Motor truck cargo covers the freight you haul, but the commodity, limit, and exclusions decide whether a load is actually covered. Reefer, auto-hauling, and certain commodities are common gaps.

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Motor truck cargo insurance covers loss or damage to the freight you are hauling, subject to the commodity, limit, and exclusions on the policy. Matching the coverage to what you actually carry, and to your contracts, is where cargo claims are won or lost.

What cargo covers

Cargo coverage responds when the freight you are carrying is lost or damaged, within the policy's terms. Shippers and brokers usually require it, often at a stated limit, and the limit has to match the value of what you haul, not a generic number.

Commodity and exclusions

This is where cargo gets technical. Policies exclude or limit certain commodities, and reefer loads, auto-hauling, and high-value goods often need specific coverage. A cargo policy that does not match your commodity can leave a load uncovered. We read the exclusions against what you actually carry.

Limits and contracts

Contracts often dictate cargo limits and conditions, and an inadequate limit means an uncovered shortfall on a big load. We line the cargo coverage up with your freight and your contracts so the coverage is real, not nominal.

Motor truck cargo insurance.

What cargo covers

Commodity and exclusions

Limits and contracts

Common questions.

Is this coverage right on your policy?

Keep going.

Reefer Breakdown

Contingent Cargo

Trucking Coverage Review

Make sure your cargo coverage fits your freight.