What cargo coverage does
Motor truck cargo insurance covers loss or damage to freight in your care, up to its limit, from covered causes such as a collision, fire or overturn. Brokers commonly require a cargo limit and may check it before tendering a load.
Exclusions to read
- Loads above the per-load limit
- Excluded commodities such as certain vehicles or electronics
- Damage from improper securement
- Weather damage to unprotected loads
- Theft of unattended loads
High-value equipment
Machinery, vehicles and specialized equipment can exceed a standard cargo limit. Ask before you accept a load whether the policy covers its value, and whether a higher limit can be arranged for a single trip.
Securement
Federal cargo securement rules set requirements for tiedowns and their working load limits. Following them protects the public and supports your cargo claim if something goes wrong. See our securement guide.
Documentation
Photograph each load after securing it and again on delivery. Note any damage on the bill of lading before you sign. Good records make cargo claims easier to resolve.
Tarps and weather
Some freight, such as lumber or machinery with electronics, needs to be tarped. If a load gets wet because it was not covered as the shipper required, a cargo claim can be denied. Agree on tarping before you pick up, and note it on the paperwork.
Reporting a cargo loss
If freight is damaged, photograph it, note the damage on the delivery receipt, tell the broker or shipper and report the claim to your insurer quickly. Keep the damaged goods available for inspection unless told otherwise.
Frequently asked questions
Does cargo coverage include the trailer?
No. The trailer is covered under physical damage. Cargo covers the freight.