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What Is Motor Truck Cargo?
Motor Truck Cargo insurance helps pay for loss or damage to the freight you are transporting for a customer. It is designed for carriers and owner-operators and follows the cargo while it is in your care, custody, and control.
What Does Motor Truck Cargo Cover?
It can cover covered freight for theft, collision, overturn, fire, and certain loading or unloading losses while the cargo is in transit, at a terminal, or temporarily stored, subject to limits and exclusions.
Theft at a stop or terminal
Collision or overturn damages freight
Loss during loading or unloading
Key Features of Motor Truck Cargo
Limits that match the loads you haul
You can often choose per-vehicle or per-occurrence limits based on typical shipment values, contract requirements, and peak season exposure.
Options by commodity and operation
Policies can be tailored for what you carry and how you run, such as refrigerated goods, high-value items, or specific radius and terminal locations, with exclusions clearly spelled out.
Helps support shipper and broker requirements
Many brokers and shippers require proof of cargo insurance before tendering loads. A well-structured policy can help you meet those requirements and avoid costly chargebacks.
Motor Truck Cargo Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
