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Motor Truck Cargo Insurance: Essential Coverage for Your Transport Business

Motor Truck Cargo Insurance is crucial for protecting the goods you haul and the reputation you have built. This insurance covers losses due to accidents, theft, and other unforeseen events, ensuring the safety of your cargo and the sustainability of your business.

What Does Motor Truck Cargo Insurance Cover?

Motor Truck Cargo Insurance provides coverage for the cargo and goods transported in commercial vehicles. It safeguards against risks like:

Real-World Applications
of General Liability Insurance

Refrigerated Transport


A refrigeration failure in a truck leads to perishable goods spoilage.


The insurance covers the cost of the spoiled goods.

Long-Haul Transportation


Theft of goods from a long-haul truck during transit.


Compensation for the value of stolen goods.

Accidental Damage During Loading


Cargo gets damaged during loading operations.


The insurance covers the repair or replacement costs of the damaged cargo.

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Motor Truck Cargo Insurance?

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Frequently Asked Questions (FAQs)

Primarily targeted at long-haul truckers, including those operating box trucks, cargo vans, flatbed trailers, etc.

It provides financial protection against the loss of or damage to cargo, which is crucial for the security of your business.

Exclusions often include contraband, live animals, art, money, jewelry, goods owned by the insured, and hazardous materials.

Costs vary, but the average is around $100 per month. Factors affecting cost include cargo type, policy limits, and deductibles.

Yes. Our motor truck cargo policy will cover losses due to a change in temperature resulting from a sudden and accidental mechanical failure or breakdown of refrigeration or heating equipment.

While not mandated by law, it is often required by brokers, risk managers, and for certain contracts.

Yes, it typically covers theft of cargo

Certain high-risk or valuable items might be restricted or require additional coverage.

Yes, many policies cover such scenarios, but it’s important to confirm specific coverage details with your insurer. There are some exclusions so its important to discuss with your agent.

Coverage is available for a wide range of commercial trucks, but there may be exceptions, so it’s best to consult with the insurance provider.