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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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.
Common questions.
What does motor truck cargo cover?
Why might my cargo claim be denied?
How much cargo coverage do I need?
Is this coverage right on your policy?
Tell us how you operate and we will check this coverage against your authority, cargo, and contracts. Educational, no obligation.
Make sure your cargo coverage fits your freight.
Tell us what you haul and we will match cargo coverage and limits to it.