Motor Truck Cargo Insurance
Motor truck cargo insurance covers the property you transport — materials, goods, and equipment — against loss or damage while in transit, a gap that auto and property policies leave open.
Motor Truck Cargo for Work Trucks & Fleets
Your commercial auto policy covers the truck. Your property policy covers your premises. But the valuable load in transit — building materials, customer goods, equipment, or supplies — often falls between them. Motor truck cargo insurance covers that property while it's being hauled.
What's Covered
- Cargo in transit: Materials and goods damaged or lost while being transported
- Loading & unloading: Many policies extend to loss during loading and unloading
- Covered perils: Collision, overturn, fire, theft, and more depending on the form
- Customer goods: Property of others in your care while you haul it
Common Exclusions to Watch
- Unattended-vehicle theft: Some policies limit or exclude theft from an unattended truck — security matters
- Certain commodities: High-value, hazardous, or specialized cargo may need scheduling
- Improper securement: Damage from poorly secured loads can be contested
We help you read the fine print so a denied cargo claim doesn't surprise you.
Limits That Match Your Loads
Cargo limits should reflect the maximum value you ever have on a truck at once — not your average load. We right-size your limit and coordinate cargo with your auto, physical damage, and tools coverage so the whole operation is protected from yard to job site.
What's Covered
Frequently Asked Questions
No. Commercial auto covers the vehicle and liability, not the value of the goods you haul. Motor truck cargo insurance covers the load itself while it's in transit.
Enough to cover the maximum value you might have on a single truck at once, not your average. We help you set the right limit and watch for exclusions like unattended-vehicle theft.