Protect the freight you haul every mile.
Motor truck cargo insurance covers the goods you transport if they are lost, stolen, or damaged in transit. Required by most freight brokers — and essential for every serious trucking operation.
Same day coverage · All cargo types · CA & interstate
$150
per month
Rates vary by cargo type and coverage limit
Why cargo insurance matters.
Your truck insurance covers your vehicle — not the freight inside it. Cargo insurance is a separate policy that protects the goods you are paid to deliver.
What cargo insurance covers.
Motor truck cargo insurance protects the freight you haul from the moment it is loaded until it is delivered.
Collision Damage
If your truck is involved in an accident and the cargo is damaged, cargo insurance covers the value of the lost or damaged freight.
Included
Theft
Covers the value of cargo stolen from your truck or trailer — whether at a truck stop, delivery location, or in transit.
Included
Fire & Weather Damage
Covers cargo damaged by fire, flooding, hail, or other weather events during transit.
Included
Loading & Unloading
Many policies extend coverage to include damage that occurs during the loading and unloading process — not just while the truck is moving.
Available
Refrigerated Cargo
Specialized coverage for temperature-sensitive loads. Covers spoilage if your refrigeration unit breaks down during transit.
Available
Debris Removal
If cargo spills on a highway, the cleanup costs can be enormous. Debris removal coverage handles the cost of clearing the roadway.
Available
Cargo types we insure.
We work with carriers that cover virtually every type of freight hauled in California and interstate.
Refrigerated Goods
Building Materials
Auto Parts
Electronics
Food & Beverages
Clothing & Textiles
Machinery
Household Goods
Agricultural Products
Steel & Metal
Lumber & Wood
Paper Products
Chemicals (non-hazmat)
+ more
Get your cargo covered today.
Cargo type, maximum load value, operating radius, and whether you need refrigerated coverage.
Cargo rates depend on freight type and coverage limit. We compare specialty trucking carriers including Cover Whale.
Most broker contracts require $100K minimum. We recommend matching your highest value load for full protection.
Your cargo certificate is issued the same day. Send it to your freight broker and start hauling immediately.
Common questions.
Most freight brokers require a minimum of $100,000 in cargo coverage. However, we recommend matching your coverage limit to the highest value load you typically haul. If you regularly carry electronics or pharmaceuticals worth $200,000, your coverage should reflect that.
No. Primary liability covers bodily injury and property damage to third parties. Physical damage covers your truck. Neither policy covers the freight you are hauling. Cargo insurance is a completely separate policy that specifically protects the goods in your trailer.
Yes. Hazardous materials, pharmaceuticals, tobacco, and high-value electronics can be harder to insure and may require specialty carriers. We work with carriers that specialize in these commodity types and can find coverage for most loads.
Standard cargo policies may not cover spoilage from mechanical breakdown. Refrigerated cargo endorsements specifically cover the loss of temperature-controlled loads if your reefer unit fails during transit. If you haul produce or frozen goods, this coverage is essential.
Yes. Our team explains cargo policy details, exclusions, and claims procedures entirely in Spanish. Many of our trucking clients operate in Spanish and we make sure you fully understand what your policy covers before you sign.
Protect every load
you haul.
Same day coverage · All cargo types · CA & interstate
Get my cargo quote
CA Licensed · Hablamos Español · No obligation
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