Motor Truck Cargo Insurance

Covers the freight you are responsible for while it is in your care.

What it covers

• Damage to or loss of the load from causes such as collision, fire or theft
• Freight on your truck and, depending on the policy, during loading and unloading

How much you need

Your limit should match the value of the loads you haul. Many brokers and shippers ask for $100,000, and high-value freight needs more. Check your contracts before choosing a limit.

What to watch for

Cargo policies are written around what you haul. Some commodities are excluded or limited, and refrigerated loads usually need reefer breakdown coverage added. Tell us exactly what you haul so the policy fits.

This is a general description, not a policy. What is covered depends on the terms, limits and exclusions of the policy that is issued.