This coverage protects the trucker in the event of loss or damage to freight they are hauling. A trucker who delivers
product to a customer needs protection for the freight and commodities that he has assumed responsibility. The value
and responsibility of the cargo should be clearly established and understood by both the shipper and the transporter
before the shipment is moved. This can be done by contract, by bill of lading disclosure, or by published tariffs. A cargo
filing is posted on the Federal Motor Carrier Safety Administration typically by an insurance company if the trucker has
ICC authority. Standard Cargo limits are typically $100,000, but higher limits may be needed. Refrigeration coverage is
an important endorsement to a cargo policy if a trucker is hauling perishable goods that need kept cold or frozen.
Cargo insurance not only covers the freight or commodities while on the truck, it can also cover the freight or
commodities while loading or unloading.

We highly recommend that you make an appointment with one of our experienced account executives to discuss your specific needs.

The abbreviated outlines of
coverages used throughout
this website are not intended
to express any legal opinion
as to the nature of coverage.
They are only visuals to a
basic understanding of
coverages. Please read your
policy for specific details of
coverages.

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