What motor truck cargo covers
- Loss or damage to freight from collision or overturn
- Theft of the load
- Fire, flood and other covered perils
- Reefer breakdown / spoilage (optional endorsement)
- Debris removal and loading/unloading (varies by policy)
Who needs it
Any carrier hauling freight that belongs to customers. Commodity matters: electronics, alcohol, tobacco, seafood and other high-theft or high-value loads may need special terms.
Common requirements
- $100,000 is the most common broker requirement
- Some loads require $250,000 or more
- Watch for exclusions such as unattended vehicles
- Certain household goods movers need a cargo filing
Requirements change by state, cargo and contract. This page is general information — your agent will confirm what applies to your operation.
