·5 min read·
Cargo Insurance for Truckers: What It Covers and What It Doesn’t
Motor truck cargo coverage explained — what is covered, what is excluded, and how brokers set the limits you need to haul.
Motor Truck Cargo is the policy that pays when freight in your trailer is lost, damaged, or stolen. Most brokers and shippers require it before they’ll dispatch you.
What Cargo Insurance Covers
- Damage to freight from collision, fire, or theft
- Refrigeration breakdown (if reefer endorsement is added)
- Loading and unloading damage (in some forms)
- Cargo damaged from a tipover or rollover
Common Exclusions
- Live animals (separate livestock coverage required)
- Tobacco, alcohol, jewelry (high-value commodity exclusions)
- Wear and tear or improper packaging
- Cargo unattended in an unsecured location
How Much Coverage Do You Need?
Most brokers require $100,000 in cargo coverage. Higher-value freight (electronics, automotive, pharma) requires $250,000 or more. Always match your limit to the highest-value load you’re willing to haul.