Motor Truck Cargo Insurance for Carriers & Owner-Operators

What it covers

• $100K standard, higher available
• Reefer, refrigerated & specialty commodities
• Broker-approved certificates

Motor truck cargo insurance covers the freight in your trailer against damage, theft, and loss while it's in your care, custody, and control. Standard limits start at $100,000, with higher limits available for high-value loads.

The details matter: commodity exclusions, reefer breakdown clauses, and theft sub-limits are where cheap cargo policies fall apart at claim time. We tailor the policy to what you actually haul and issue broker-approved certificates fast, so you never lose a load waiting on paperwork.

Who needs it

Nearly every broker and shipper contract requires proof of cargo coverage before they'll tender a load. If you haul someone else's freight — under your own authority or leased on — you need it.