Truck Cargo Insurance Coverage

What is Truck Cargo Insurance Coverage?

Truck Cargo coverage insures the contents of the trailer, temperature-control machinery, and other appliances or accessories that keep cargo secure. Coverage is custom-evaluated for the type of commodities hauled and the requirements of the shipper. Often, the most valuable asset in your business is the cargo you haul.

Who needs Truck Cargo Insurance Coverage?

Basically, if you are hauling cargo, you need Truck Cargo Insurance. Today, there are many cases when it is required and you can meet these requirements by adding this coverage when we build your policy. It covers damage due to fire or collision. There is even coverage if you, as the driver, damage the freight.

Questions about this coverage or a policy?

If you have any questions about this coverage or you are unsure what kind of coverages you need for your business, please contact us.

What are the requirements for Truck Cargo Insurance?

You will need to select a coverage limit for your Truck Cargo Insurance Coverage, which will be the basis for what your insurance company will pay out in case of damage. There will also be an option for a deductible. Higher deductibles equal a lower monthly premium. Depending on what you are hauling, our Commercial Insurance Specialists will be able to make a recommendation, but generally, a minimum of $100,000 in cargo coverage is recommended.

All Risk and Broad Form Policies:

Reefer breakdown
Loading and Unloading
Debris removal
Pollution clean up
Aggregate deductibles
Earned freight charges
High valued commodities requiring limits of $250,000 per vehicle or higher

Truck Cargo Coverage Example

Why do you need it?

Similar to your Liability Insurance Coverage and Physical Damage Coverage, you need Truck Cargo Coverage that will help when your cargo is damaged in an accident, vandalized, etc.

So, you run a wrecking service and have several flatbeds. Of course, you are constantly hauling cars that were in accidents, but maybe they were just broken down on the side of the road.

You send one of your drivers to get a broken down car, but while he is transporting it to the specified mechanic a storm hits. As you are driving a tree branch breaks and falls right onto the car. Luckily it only damages the hood of the car.

You are required to have this coverage as a trucker, but the amount of coverage depends on what you haul. In your case, you have $100,000 in coverage, which will be more than enough to fix the hood of the car that you were transporting.

Questions? >>>

Types of Commercial Auto Coverages

Diminished Value Insurance Coverage

Diminished Value Coverage accounts for the actual or perceived loss in market value or resale value of a car that was in an accident.

Truck Cargo

In many cases, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer and much more so you are not liable for damages.

On-Hook Towing Insurance Coverage

On-Hook Towing Insurance Coverage pays for damages to a vehicle, such as fire or collision, while the car is in tow.

Garagekeepers Insurance Coverage

Garagekeeper coverage protects tow truck drivers against things like fire, theft, vandalism, or a collision with a vehicle they are towing.

Types of Trucking Policies

Long-Haul Trucking Insurance

Long-Haul Trucking operations are always in demand and vital to the economy. Commercial Truck Insurance is mandatory in all 50 states. Let us manage your risk.

Short-Haul Trucking Insurance

Short-Haul Trucking carriers mostly stay within a 150 air-mile radius and report back to the same location. Commercial Truck Insurance is required and there a lot of risks that come with short-haul trucking. Let us manage your risk.

Construction/Excavators Insurance

Commercial insurance for Construction Companies and Excavators is vital to your success and we are able to tailor policies to your needs.

Fuel Haulers/Hazmat Insurance

Fuel Hauler or Hazmat truck insurance policies cover liability for incidents like site clean up, loading and unloading incidents, etc. There is a lot of risk involved, so it is important to get the best coverage.

Our Knowledgeable team

Holly Turner

Agency Supervisor

Holly can educate you on commercial truck insurance no matter what you are hauling. We assist long-haul and short-haul truckers, Hazmat Carriers, Fleets, etc.

Zachary Wagner

Account Manager

Zach is dedicated to serving all of his clients to the best of his ability. He will always shop his clients to maintain the lowest possible premiums with the best coverage.

Erica LeBlanc

Renewal Specialist

Erica is our Renewal Specialist so there is a good chance that you will be speaking with her when your renewal comes up. She is professional, knowledgeable and fully capable of answering any questions you have.

Get a Quick Quote

Let our commercial truck insurance specialists provide a quote to our preferred markets.

Coverage Questions?

Are you concerned about what coverage you need.

Have a question?

Our Commercial Truck Insurance Specialists are happy to help.

Fill out your information and we will get back with you by email or phone in 24-48 hours.

If you need a quote, please choose the type of quote below and fill out the form.

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