What Is It?

Pennsylvania Motor Truck Cargo  insurance is an important insurance coverage if you are a for hire trucker. It protects you in the event you lose the load / cargo while it is in your custody, control or possession.

Who's It For?

  • Long Haul Truckers
  • Produce Haulers
  • General Freight Haulers
  • Amazon Freight Haulers
  • Intermodal Carriers

What Is Offered?

  • Theft and Vandalism
  • Fire and Weather
  • Collision / Accidents
  • Reefer Breakdown
  • Loading  / Unloading

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Motor Truck Cargo Insurance in Pennsylvania

What is Pennsylvania Motor Truck Cargo Insurance?

Pennsylvania Auto Liability Insurance is a form of insurance that is required for all vehicles registered in Pennsylvania. This type of insurance is designed to cover any damages, losses, or injuries that occur as a result of a motor vehicle accident that you or another driver may have caused. It pays for the other driver’s expenses such as medical bills and repairs, as well as protecting you in the event of a lawsuit. Auto liability insurance is an important safety measure for anyone who drives in the state, as it can save you from paying costly fees should you be found at fault for an accident.

Who Needs Pennsylvania Cargo Insurance Cover?

Risk managers have been increasing the need for truckers to obtain cargo insurance. Motor Truck Cargo Insurance provides this coverage and compensates for damage or loss of the cargo due to fire, collision, or even accidents where the truck strikes or runs over the freight that was being transported.

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Regulations for Transporting General Cargo

The Federal Motor Carrier Safety Administration (FMCSA) is responsible for regulating the transportation of cargo by commercial motor vehicles (CMVs) in the United States. In the FMCSA’s Driver’s Handbook on Cargo Securement, one out of three securement conditions must be met for all types of cargo.

The cargo must be “fully contained by structures of adequate strength.”
The cargo must be “immobilized by structures of adequate strength or a combination of structure, blocking, and bracing to prevent shifting or tipping.”
The cargo must be “immobilized or secured on or within a vehicle by tiedowns along with” other particular securement methods.

Motor Truck Cargo Insurance Limits and Deductibles

When opting for Motor Truck Cargo insurance, you must choose a limit for your policy. This amount will determine the largest sum your insurer will pay if the cargo is ruined or destroyed. Additionally, you need to pick a deductible. This is an amount that you agree to pay for each claim.

Although raising your deductible can lower the cost of the insurance, ensure that you select one that you can pay with ease.

Motor Truck Cargo Insurance Exceptions and Restructions?

Most Motor Truck Cargo insurance is available on policies with various body types, including dump trucks, tractors, trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds, and car haulers. Unfortunately, however, it may not be accessible on vehicles such as garbage trucks, limousines, hearses, buses, passenger vans, or ice cream trucks. Additionally, coverage is not available for certain cargo types, and other exclusions may also apply.

  • Art, jewelry, money or paper
  • Contraband, pharmaceuticals, tobacco, alcohol
  • Live animals
  • Property while in custody of any other carrier
  • Property or goods owned by the insured
  • Property not under Bill of Lading
  • Storage greater than 72 hours
  • Shipping containers
  • Explosive or radioactive material
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Need Commercial Truck Insurance in Pennsylvania? We've got you covered

We can customize a Pennsylvania commercial truck insurance program to meet your specific requirements. This might vary from comprehensive coverage to liability-only coverage. 

Pennsylvania Insurance For All Vehicle Types

We can insure almost every sort of commercial vehicle. The following are the most often seen. If you’re searching for anything in particular, give us a call; we’re happy to assist you.


Looking For Pennsylvania Motor Truck Cargo Insurance? We've Got You Covered!

Regardless of the city in which you operate, we can assist you in putting together a competitive Pennsylvania Motor Truck Cargo Insurance plan. We can assist you in any part in Pennsylvania , including…

States We Can Offer Motor Truck Cargo Insurance

We are here to help you obtain a superior Motor Truck Cargo Insurance. 

Resources for Pennsylvania Truckers

Pennsylvania Motor Truck Association advocates, promotes and defends Pennsylvania’s trucking industry.

Pennsylvania Department of Transportation oversees Pennsylvania’s infrastructure mainly roads, underpasses and highways.

Pennsylvania Insurance Department is the regulatory body that oversees the Pennsylvania’s insurance industry.

Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States.  Their job is to keep our roads and highways safe.

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