Primary liability
The policy cargo sits next to on every for-hire account.
Primary liabilityMotor Truck Cargo Insurance
Motor truck cargo insurance covers the freight you are hauling for someone else if it is damaged, stolen or lost while in your care. FMCSA does not require it for general freight, but nearly every broker, shipper and load board does, which makes it the second policy every for-hire carrier buys. Our agency places it alongside primary liability from a licensed office in Las Vegas.
Get your cargo insurance quote
Step 1 of 5
In short
Cargo coverage for the freight in your trailer, written to the limits your brokers require, from a licensed Nevada agency.
- Common broker requirement: $100,000 per occurrence, with the broker named as certificate holder.
- Not a federal filing for general freight; household goods movers are the exception.
- Exclusions matter more than limits: theft from unattended vehicles, refrigeration breakdown and specific commodities are often excluded unless added.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Box truck insurance
Where cargo requirements from freight programs show up first.
Box truck insuranceSemi truck insurance
The full tractor-trailer package.
Semi truck insuranceWhat drives your rate
- Commodity: general freight, refrigerated, electronics, auto parts and building materials rate differently.
- Limit: is common; some shippers require or more.
- Deductible.
- Radius and whether loads are ever left unattended overnight.
- Loss history.
- Reefer breakdown coverage if you haul refrigerated freight.
How it works
Step 1: Tell us what you haul and who you haul for
Bring the broker's insurance requirements if you have them.
Step 2: We quote the limit and endorsements the contract needs
Including reefer breakdown or theft coverage where the commodity calls for it.
Step 3: Bind and issue certificates
Certificates go to your brokers as soon as we bind.
This page is for for-hire carriers hauling freight owned by others. Freight you own is covered under a different form.
Questions carriers ask
Is cargo insurance required by FMCSA?
For general freight, no. FMCSA cargo filings apply to household goods movers and freight forwarders. For everyone else it is a contract requirement from brokers and shippers.
What does motor truck cargo not cover?
Common exclusions are theft from an unattended vehicle, freight left in a trailer overnight without a listed secured lot, refrigeration breakdown, and certain commodities such as tobacco, alcohol and electronics unless specifically added. Read the exclusions before you take the load.
Do I need cargo insurance if I only haul dirt or aggregate?
Usually not by contract either, but some contractors and municipalities require it. Check the contract's insurance section.
Related: Primary liability insurance, Box truck insurance, Dump truck insurance.