Motor Truck Cargo Insurance

Motor Truck Cargo Insurance

Motor Truck Cargo Insurance covers the property being transported by the trucker — protecting the freight itself from damage, theft, or loss during transit. This coverage is required by most shippers before they'll load your trailer.

Coverage Details

Coverage and limits vary based on:

• Type of commodity being hauled — general freight, refrigerated goods, electronics, hazardous materials, etc.
• Value of the load — most shippers require $100,000 minimum; high-value cargo may need $250,000+
• Operating radius — intrastate vs. interstate
• Equipment type — dry van, reefer, flatbed, auto hauler

Refrigerated / Reefer Breakdown

Standard cargo policies don't cover reefer breakdown. Checkers writes reefer breakdown endorsements that cover spoiled loads when the reefer unit malfunctions — critical coverage for refrigerated operators.

Cargo Exclusions to Watch For

Most cargo policies exclude certain types of freight unless specifically scheduled. Common exclusions include:

• Electronics and high-value items
• Pharmaceuticals
• Tobacco and alcohol
• Live animals
• Artwork and antiques

If you're hauling any of these, let us know so we can write the proper endorsements or specialty cargo coverage.