Motor Truck Cargo insurance covers damage, theft, or loss of the goods in your care. Most freight brokers require it before they'll dispatch you a load — and for good reason.
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Know your policy before you need to file a claim.
Specialized coverage available for high-value and perishable goods.
Dry goods, packaged products, and mixed loads. Most affordable premiums.
Perishables, food, pharmaceuticals. Reefer breakdown endorsement available.
Steel, lumber, machinery, building materials. Strapping & securement covered.
High-value drugs and medical supplies. Enhanced security requirements.
Vehicle transport coverage for car haulers. Per-unit and blanket options.
Temperature-sensitive goods with coverage for spoilage from covered perils.
High-value tech goods often require higher deductibles and security protocols.
Heavy equipment and machinery hauled on step-deck or lowboy trailers.
Your cargo limit should match the maximum value of any single shipment you carry.
| Coverage Limit | Best For | Broker Acceptable? | Reefer Add-on? |
|---|---|---|---|
| $10,000 | Low-value general freight, some agricultural | ✗ Usually not | ✓ |
| $25,000 | Entry-level, some spot loads | ✗ Often not | ✓ |
| $50,000 | Most general freight, building materials | ✓ Most brokers | ✓ |
| $100,000 | Food, produce, mid-value goods | ✓ Widely accepted | ✓ |
| $150,000 | Electronics, auto parts, higher-value loads | ✓ Premium brokers | ✓ |
| $250,000+ | Pharmaceuticals, luxury goods, high-value freight | ✓ Usually All brokers | ✓ |
Get cargo insurance quotes from top carriers — bundled with your other coverages for the best rates.
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