Motor Truck Cargo Insurance
Protect cargo in your possession with comprehensive coverage up to $250,000. Broad form coverage for a wide range of commodities with optional refrigeration protection.
What is Motor Truck Cargo Coverage?
Motor Truck Cargo insurance protects the freight you're hauling while it's in your care, custody, and control. This coverage responds when cargo is damaged, destroyed, or stolen during transit, protecting you from financial liability to shippers and cargo owners.
What's Covered
Why Choose Cover Whale for Cargo Coverage
Flexible protection with limits and options that match your hauling operation
Broad Form Coverage
Wide range of covered commodities with flexible limits to match your hauling needs and protect diverse cargo types.
Limits Up to $250,000
Competitive coverage limits that protect your cargo investment and meet shipper requirements.
Refrigeration Coverage Available
Optional refrigeration breakdown coverage for trailers less than 10 years old protects temperature-sensitive cargo.
Fast Claims Processing
DriveSmart dash cam footage provides immediate documentation for faster cargo claims resolution.
Motor Truck Cargo Guidelines
Our underwriting standards and eligibility requirements
Coverage Limits: Limits available up to $250,000
Fleet Size: Targeting 1-75 power units
Flexibility: Can be written as a package or on a standalone basis
Experience: 2 years minimum driving experience with like vehicle
Refrigeration: Breakdown coverage available if trailers are less than ten years old
Coverage Form: Broad form for wide range of covered commodities
Common Commodities We Cover
Our broad form cargo coverage protects a wide range of freight types
Coverage availability varies by commodity type and operational profile. Contact us for specific commodity questions.
Ready to Protect Your Cargo?
Get comprehensive motor truck cargo coverage with flexible limits and broad form protection.