Commercial Auto
Truck liability and physical damage are separate from coverage for the cargo being carried.
Motor Truck Cargo Insurance
Tell us what you haul and where. We shop cargo coverage for your goods, routes and shipment values.
We shop the market for you, no broker fees
How it works
One short form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
Protect the cargo your trucks carry
Cargo loss in transit
Describe the goods your trucks carry and the loss exposures that need review.
Vehicles and routes
Tell the broker how the cargo moves and where the operation travels.
Handling and storage
Explain how goods are loaded, protected and stored during transport.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Commodities carried and maximum shipment value
- Operating territory, routes and vehicles
- Cargo handling, storage and security
- Prior losses and requested limits
Describe the trucking operation for review
- Commodities carried
- Maximum value per load
- Operating territory and routes
- Vehicles and cargo protection
Keep cargo and vehicle coverage distinct
Equipment and Tools
Use the equipment coverage page for tools or mobile equipment. This request is for cargo carried by trucks.
Questions we get asked
Which policies do motor truck cargo businesses usually need?
The right program depends on the operation, but the lines we most often evaluate are Commercial Auto and Equipment and Tools. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
What information do you need to quote motor truck cargo insurance?
Have the commodities, shipment values, operating territory, vehicles, cargo handling and prior losses ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Can you help if a standard carrier already declined the account?
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
How do you compare the quotes you receive?
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Start your quote online.
Fill in one short form or call us. No broker fees.