Motor Truck Cargo Insurance

Motor Truck Cargo Insurance (Cargo) protects the freight or commodity that a for-hire trucker transports. It protects you against being held liable for cargo that is lost or destroyed as a result of events such as fire, collision, or hitting a load.

If your cargo is thrown on a road or a waterway by accident.  Cargo coverage compensates for the cost of removing the debris or extracting the pollutants created by the debris. We’ll also cover costs associated with avoiding additional damage to damaged goods, legal expenditures incurred with the defense or settlement of Claims, and even freight charges that the customer loses as a result of failing to deliver a load.

Dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds, and vehicle haulers are the only body types covered by Motor Truck Cargo insurance.  Garbage trucks, limousines, hearses, buses, passenger vans, and ice cream trucks do not qualify for motor truck cargo insurance. Other restrictions may apply

As a for-hire trucker, it’s critical to reassure your clients that their goods will arrive safely or that they will be compensated if it doesn’t. While products are in transportation, a variety of things might go wrong for motor carriers, and you don’t want to end up bearing the financial burden of legal obligation for the loss of others’ property.

Motor Truck Cargo Insurance

Cargo insurance prices are determined by a number of criteria, including insurance coverage limitations and the sorts of commodities being transported.


As is customary, larger deductible plans will be less expensive than lower deductible plans. Cargo prices, on the other hand, are mostly decided by what you're transporting and the limitations of your legal liability coverage.


The cost of cargo insurance is determined by the value and danger of the load being transported. As a result, insuring a truckload of shellfish or pharmaceutical will cost more than insuring a truckload of wheat. There's no shock there.

The bottom line is that you must get quotes from cargo insurance companies that are competitive for the loads you transport.


Our agency makes it easy to find the right coverage for your business..

Insurance companies will only pay up to the maximum amount specified in the policy they created for you. Only a $5,000 cargo limit is required by the federal government. This was established in the 1930s, and most policyholders and customers will find this level of coverage inadequate. Insurance coverage limits nowadays often vary from $50,000 to $250,000.

The most typical cargo limit is $100,000, and many load brokers will insist on this level of protection for their owner-operators. Depending on the value of the goods being transported, limits above $250,000 are also specified. Cargo limits of more than $250,000 usually need the purchase of a supplemental coverage known as an excess liability policy.

One thing to think about is if a monoline cargo policy, also known as a stand-alone cargo policy, is less expensive than bundling cargo insurance with primary liability and physical damage coverage. The majority of insurance for for-hire owner operators are purchased as a set.

Commercial Truck Insurance Boise ID

Other common truck insurance coverages

We can tailor a truck insurance package to your needs, anything from liability only to get you on the road, to full coverage.

Liability Coverages

Vehicle Coverages

Truck Specific Coverages

Driver Coverages

Towing Specific Coverages

Specialty Truck Coverages

Motor truck cargo insurance we can write

We can insure almost any type of commercial truck out there.  Below are the most common we see.

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