Protection for freight in your care

Motor truck cargo insurance matched to what you haul.

Compare cargo coverage designed to protect freight against covered loss or damage while it is in your custody.

Compare coverage Explore coverage and quote preparation

Fig. 01: Motor truck cargo insurance

Cargo limits matched to the freight you haul

Coverage options across multiple commodities

Help reviewing exclusions and deductibles

Your operation

Start with the work you do.

Motor truck cargo insurance addresses covered loss or damage to freight. A useful comparison starts with the commodities, values, contracts, and handling practices—not just the limit printed on a certificate.

The freight you accept

List ordinary loads and occasional high-value or unusual commodities. Ask for written confirmation when a new type of freight falls outside the operation described to the insurer.

Custody and handling

Map pickup, loading, transit, overnight parking, unloading, and any storage or transfer. Use that timeline to ask when protection begins, ends, or changes.

Coverage to compare

Know what each part protects.

Limits and valuation

Compare the maximum load value with the policy's limits and any commodity sublimits. Ask how a damaged shipment is valued and which deductible applies.

Excluded or restricted freight

Read commodity and operation restrictions. The presence of cargo coverage does not mean every type of load qualifies.

Conditions of transport

Ask about unattended vehicles, theft, wetness, temperature changes, loading, and unloading as relevant to your work.

Expenses after a loss

Check whether and to what extent removal, salvage, mitigation, or earned freight expenses are addressed. Record separate limits and conditions.

This is general buying guidance. Available coverage depends on the insurer, your operation, and underwriting. The issued policy and endorsements determine what is covered.

Understanding cost

What shapes your quote.

Commodity mix, maximum values, and handling requirements.
Routes, parking or storage practices, and loss history.
Limits, deductibles, and requested extensions.

Compare equivalent limits, deductibles, and operations before choosing on price. Your quote should explain both the cost and the coverage it buys.

Quote preparation

Have these details ready.

Commodity list and typical and maximum values per load.
Shipper contracts, sample shipping documents, and required limits.
Loading, storage, security, temperature-control, and claims information.

Start with the short form below. These details help with the follow-up review; you do not need to enter them all to get in touch.

Common questions

Before you choose a policy.

Is a customer's required cargo limit enough?

It is one input. Compare it with your actual maximum exposure, any sublimits, excluded freight, and valuation conditions. A headline limit does not answer all of those questions.

Does cargo insurance cover damage to the trailer?

Cargo and the equipment carrying it are separate. Review physical-damage or non-owned trailer protection for the trailer itself.

Get Started

Get your quotes. It starts with a USDOT number.

Tell us about your operation so our team can review your insurance needs and help you compare available options.

Coverage options for your operation
Help reviewing your insurance requirements
A quote request, with no obligation to buy

Next step

A review of your operation

Prefer to talk it through? 1-844-912-COVER

Keep exploring