Cargo Insurance for Truckers-Protect Every Load on the Road

Coverage for Goods in Transit

Motor Truck Cargo Insurance covers the value of goods you transport-paying for loss or damage from accidents, theft, fire, or spoilage. If you're hauling a $100,000 load and disaster strikes, cargo insurance pays your customer-not you-so you can keep your business moving forward.

Common Claims and Coverage Features

Intentional fraud or criminal acts are not covered.

Coverage for Owner-Operators, Fleets & Local Delivery

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For-hire truckers hauling goods for others (most contracts require it)

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Freight brokers and logistics companies seeking contingent or specialty cargo protection

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Local delivery businesses moving furniture, appliances, or commercial freight

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Any carrier at risk for freight loss, theft, or spoilage

Tailored Policies for What You Haul

 No two hauls are the same-cargo insurance can be customized by:

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Commodity (lumber, electronics, machinery, refrigerated goods, and more)

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Endorsements for special risks (refrigeration breakdown, high-value items)

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Exclusions explained (hazmat, unattended vehicle, certain theft risks)

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Appropriate limits ($100k, $250k, or more per truck, based on your load value)

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Deductibles and claim documentation-support when you need it most

We ensure your policy fits what you haul and your business operations-no surprises.

Freight Theft-A Growing Concern

Cargo theft costs U.S. businesses ~$18 million per day. With Louisiana's busy highways, ports, and industrial corridors, theft is a real risk. Our cargo insurance keeps you protected-if thieves strike or a load is damaged, you're not left holding the bill.

Deliver Loads, Not Liability

Most shippers require proof of cargo insurance

One uninsured claim could bankrupt a small carrier

General liability and auto don't cover cargo-only cargo insurance fills that gap

We help determine the right limits, meet contract requirements, and avoid common coverage pitfalls

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Cargo Insurance Questions-Answered

  • What is motor truck cargo insurance?

    Insurance for goods in your care, custody, or control-covers loss/damage from collision, fire, theft, and more.

  • Do I need cargo insurance on my truck policy?

    If you haul for others, yes-shippers and brokers usually require it.

  • How much does cargo insurance cost?

    Premiums depend on the type of freight, coverage limits, and safety practices-get a custom quote.

  • Can I get coverage for refrigerated goods or high-value cargo?

    Yes-we match policies to your haul and add endorsements for unique needs.

  • What if my policy has exclusions?

    We review and explain all clauses-no hidden gaps, just coverage you can trust.

Haul with Confidence-Request a Cargo Insurance Quote

Don't risk your business on uninsured loads. Get a custom cargo insurance policy from local experts-protect every shipment and your peace of mind.