Motor truck cargo
Motor truck cargo insurance — protect every load.
Cargo coverage for owner-operators and fleets — reefer breakdown, theft, and the limits brokers and shippers require. Same-day COI.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Coverage that keeps you loading
Brokers and shippers won’t tender a load without proof of cargo coverage at the right limit. We place motor truck cargo with the endorsements that matter — reefer breakdown, theft, and refrigeration — and issue COIs the same day so you never miss a dispatch.
What it covers
Freight in transit
The cargo you haul, against damage and loss on the road.
Reefer breakdown
Spoilage when a refrigeration unit fails — added by endorsement.
Theft
Stolen loads, a leading cause of cargo claims.
Loading/unloading
Coverage during the higher-risk handling phases.
Same-day COIs
Certificates for brokers and shippers, issued fast.
How much it costs
Cargo premiums depend on your commodity, limit and loss history, and are usually quoted alongside your liability and physical-damage coverage. Most brokers require at least $100,000 in cargo coverage; high-value or refrigerated freight needs more. We bundle cargo into your trucking program and shop specialists to keep the total competitive.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Any motor carrier hauling freight needs cargo coverage to get loads tendered — most brokers and shippers require a minimum $100k limit on your certificate. Carriers hauling household goods are required by the FMCSA to carry cargo coverage as a condition of authority. Reefer operators should add refrigeration-breakdown coverage.
How it works
Send your operation details
Commodities, radius, reefer or dry, and required limits.
We match the right carriers
Trucking-specialist markets for cargo and physical damage.
COIs same-day, where available
Certificates issued fast for brokers and shippers.
See how the pieces fit
A cargo description changes the discussion
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Commodity
Be specific about goods, packaging and any temperature requirements.
- 02
Value at risk
Discuss the highest load value and any limits or deductibles in a proposal.
- 03
Custody and stops
Ask about loading, unloading, storage, unattended vehicles and exclusions.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- Your state, operations and number of vehicles
- What you haul and any customer requirements
- Current coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much does cargo insurance cost?
It depends on your commodity, limit and history, and is usually quoted with your liability and physical damage. We bundle it to keep the total competitive.
What cargo limit do brokers and shippers require?
Most require at least $100,000; high-value or specialized freight needs more. We match your certificate to the loads you haul.
Do you cover refrigerated (reefer) loads?
Yes — we add reefer breakdown coverage so a refrigeration failure doesn’t become an out-of-pocket loss.
Is theft covered?
Yes — stolen loads are covered, one of the most common cargo claims.
What’s typically excluded?
Things like contraband, certain high-value categories without scheduling, and damage from improper securement — we review exclusions with you.
How fast can I get a cargo COI?
Same day, often within the hour for existing clients.