Freight Protection
Motor Truck Cargo Insurance
The freight you haul is someone else's property — and if it's damaged, lost, or stolen while in your care, you're on the hook. Motor truck cargo insurance protects you and your income when things go wrong in transit.
What Cargo Insurance Covers
Physical loss or damage to freight in transit
Theft of cargo from your trailer
Collision damage to freight
Fire, flood, and weather-related cargo loss
Loading and unloading coverage
Coverage from pickup to final delivery
$100K, $250K, or $500K+ limits available
Cargo We Commonly Insure
Heavy Equipment
Oil Field Tools
Construction Materials
Farm Equipment
Vehicles & ATVs
Machinery & Parts
Lumber & Building Supplies
General Freight
Typical Annual Cost
$1,200 – $4,500
Based on cargo type, coverage limit, and operating territory.
Common Questions
How much cargo coverage do I need?
Most freight brokers require a minimum of $100,000 in cargo coverage. If you haul high-value equipment, machinery, or specialized freight, you may need $250,000–$500,000. We'll help you match your coverage to your actual cargo values.
What cargo types are covered?
Our cargo policies cover a wide range of hot shot freight: heavy equipment, construction materials, oil field tools, vehicles, agricultural equipment, and general freight. Some specialty items (hazmat, livestock, electronics) may require additional endorsements.
Does cargo insurance cover theft?
Yes — a properly structured motor truck cargo policy covers theft of freight while in your care, custody, and control. Always document your load with photos and get a signed bill of lading at pickup.
What is the claims process for a cargo loss?
Notify your carrier immediately, document everything with photos, get a police report if theft occurred, and secure a written statement of the cargo value from the shipper. We help guide you through the process to make sure your claim pays promptly.
Protect Your Freight Today
Same-day certificates available. Most cargo policies bind within hours.
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