top of page
Motor Truck Cargo Insurance

Motor Truck Cargo Insurance

What Is Motor Truck Cargo Insurance?

Motor truck cargo insurance provides insurance coverage on the freight or commodity hauled by a For-hire trucker that covers the liability for cargo damaged or destroyed due to a covered loss. Due to the different types of cargo classes, it is essential to have an accurate list of commodities that you haul so that we can provide you with adequate coverage.

The typical cargo classes for motor truck cargo insurance are dry van, refrigerated, flatbed, autos, oversized and overweight, hazardous materials, and containerized freight. Each different class has separate commodity types, deductible amounts, or coverage limits required, and it is critical that you have the right coverage to protect the freight you are hauling.

What Is Covered With Motor Truck Cargo Insurance?

While most cargo policies are written in a broad form, it is still essential to include the specific commodities you know you will haul or exclude the ones you know you will not haul. For example, if you are a reefer trucking company and you know that you may haul meats, it is essential to include that commodity so that your premium is accurate. Likewise, if you know you will never haul seafood, do not include it as a commodity because hauling seafood could have a higher premium or be an excluded commodity type.

What Deductible Do I Need for Motor Truck Cargo Insurance?

Deductibles for motor truck cargo insurance can vary depending on the type of cargo and your preferences. For example, an insurance company will require a higher deductible on refrigeration breakdown coverage that is included on a cargo policy for Reefer units.

What Are the Limits of Motor Truck Cargo Insurance?

There is no minimum limit of cargo coverage that is required by the FMCSA for most commodities. Typically, brokers or shippers require you to have $100,000 of cargo coverage. That limit can vary depending on the specific type of hauled cargo, so it is essential to know what your customers require you to have.

Our service team can provide limits as low as $50,000 to as high as $5,000,000 for specific commodity classes.

If you would like a quote for motor truck cargo insurance, give Thomas Wilson Group a call or fill out our contact form, and one of our agents will provide you with a call to discuss your insurance needs!

Types of trucking insurance coverage

Proudly serving clients in North Carolina| Virginia| Georgia| Florida


CALL 615-277-0751
bottom of page