Cargo insurance for the load, not just the truck.

Motor truck cargo pays for the freight in your trailer when it is stolen, crushed or thawed. Your certificate has a per-load limit and a list of exclusions. We read both with you before the first dispatch.

Before you buy

What this policy does, and what it will not do.

What we write in
✓Loads in transit: theft, collision, fire, overturn
✓Refrigeration breakdown for reefer loads
✓Loading and unloading
✓Debris removal and pollutant cleanup from a covered loss
✓Freight charges on a lost load
What it will not do
✕Theft from an unattended vehicle without alarm or locked yard
✕Inherent vice, spoilage not caused by breakdown
✕High-value goods above the scheduled limit
✕Contraband and undeclared commodities
Who this is for

Three ways people hold this policy.

Carriers
General freight, reefer, flat deck. Limits that match your bills of lading.
Freight brokers
Contingent cargo when the carrier’s policy does not respond.
Shippers
Checking a carrier’s certificate before tendering the load.
What moves the price

Five things the insurer looks at.

01
Commodity type and value per load
02
Radius of operation
03
Security: alarms, yard, tracking
04
Number of units
05
Claims history
Straight answers

Cargo Insurance questions we hear most.

All FAQs→

Commonly: theft from an unattended, unalarmed vehicle; spoilage from inherent vice; goods above the scheduled per-load limit.

Match your highest-value regular load. Most contracts ask for $100,000 to $250,000; some commodities need more.

Usually not. Breakdown covers mechanical failure of the unit. Operator error is often excluded unless a specific endorsement is added.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.