Cargo Insurance
Cargo insurance covers the freight you transport against loss or damage during transit. Whether you haul dry van, flatbed, reefer, or specialized commodities, the right cargo policy protects your business from costly claims. As a broker, we compare cargo programs across 30+ carriers to match the coverage limits, deductibles, and commodity endorsements your operation actually needs.
What's Covered
Who Needs Cargo Insurance?
Every for-hire motor carrier is required to carry cargo insurance. If you haul freight for other companies, you need cargo coverage. Owner-operators leased to a carrier may be covered under the carrier's policy, but many choose their own policy for additional protection. If you operate under your own authority, cargo insurance is mandatory.
Frequently Asked Questions
How much cargo insurance do I need?
Most shippers and brokers require $100,000 in cargo coverage, but many contracts call for $250,000 or more. The right amount depends on the value of freight you typically haul and what your contracts require.
Does cargo insurance cover reefer breakdown?
Standard cargo policies typically exclude reefer breakdown. You need a specific reefer breakdown endorsement added to your policy. We can find carriers that include this at competitive rates.
What is the difference between cargo insurance and freight insurance?
Cargo insurance is carried by the motor carrier and covers goods during transit. Freight insurance (or shipper's interest cargo insurance) is purchased by the shipper for additional protection. As a trucker, you need motor truck cargo insurance.
Get a Cargo Insurance Quote
We compare rates from 30+ carriers to find the best cargo insurance coverage for your operation.