Protecting What Your Business Hauls Every Day
Motor truck cargo insurance covers the goods, materials, or equipment being transported by a commercial vehicle. Whether a business is delivering products across town or hauling loads across state lines, cargo coverage protects against financial loss when freight is damaged, stolen, or involved in an accident.
This coverage is essential for many operations beyond traditional trucking, including delivery services, contractors transporting materials, and hotshot operators moving time-sensitive loads.
Designed for a Wide Range of Hauling Operations
Motor truck cargo insurance applies to businesses transporting many types of property, such as:
✔Local and regional delivery companies
✔Box truck operations moving retail or commercial goods
✔Hotshot transport hauling equipment or partial loads
✔Contractors carrying tools or materials to job sites
✔Moving and logistics services
✔Independent transportation providers handling scheduled shipments
Coverage must be structured around what is being hauled, how it is secured, and the distances traveled.
Why Cargo Coverage Is Often Required
Many brokers, shippers, and contracts require proof of cargo insurance before assigning loads. Without it, businesses may not be eligible to transport goods or participate in delivery networks.
Cargo insurance helps demonstrate financial responsibility while protecting against losses that could otherwise disrupt operations.
What Motor Truck Cargo Insurance Covers
Policies can respond to incidents involving:
✔Damage to freight during transport
✔Theft of cargo from a vehicle
✔Loss caused by collision, fire, or overturn
✔Certain handling or loading incidents (based on policy structure)
Coverage terms vary depending on commodity type, value, and operational exposure.
Coverage Tailored to How Your Vehicles Operate
Different vehicles carry different risks. A hotshot hauling equipment, a delivery box truck running daily routes, and a contractor transporting materials all require different cargo structures.
Policies are designed based on:
✔Commodity being transported
✔Load value and frequency
✔Operating radius
✔Vehicle type and configuration
✔Contractual insurance requirements
Supporting Transportation and Service Businesses Across Industries
Motor truck cargo insurance plays a critical role in protecting revenue, maintaining contracts, and ensuring businesses can continue operating when unexpected losses occur.