Motor Truck Cargo Insurance for Truckers & Fleets
What Is Motor Truck Cargo (MTC) Insurance?
MTC covers the freight you haul while it’s in your care, custody, or control—from pickup to delivery and, in many policies, while temporarily stored in or on a scheduled vehicle or terminal.
It protects against covered causes of loss such as collision, rollover, fire, theft, and reefer breakdown (when endorsed).
Coverage Highlights & Common Endorsements
Included/Available Options: debris removal, earned freight, loading/unloading, theft limitations, reefer breakdown (perishable spoilage), pollutant clean-up, terminal/warehouse coverage, and ordinate limits for high-value loads.
What’s Covered / Key Exclusions
Covers: direct physical loss to cargo from collision/overturn, fire, theft, vandalism, reefer mechanical breakdown (endorsement).
Excludes: contraband, fraudulent bills of lading, unattended/unsecured vehicles (unless endorsed), wear & tear, delay/loss of market, certain high-theft commodities without safeguards.
Limits/Deductibles: typically $100,000–$250,000 per vehicle; higher on request.
Who Needs Motor Truck Cargo?
Owner-operators with authority – most shippers/brokers require MTC (often $100k+).
Motor carriers & fleets – limits matched to commodity mix and contracts.
Specialty haulers – reefer, flatbed, high-value electronics, autos, household goods (with specific endorsements).
Note: If you’re leased to a carrier, verify whether the carrier’s MTC covers your loads and limits; many contracts still require you to carry your own.
How Much Does Motor Truck Cargo Cost?
Pricing depends on commodity types, limits/deductibles, radius, theft controls (locks, GPS, parking), loss history, and reefer exposure.
Key Pricing Factors
Commodity schedule & theft risk
Requested limit per vehicle & deductible
Reefer usage and temperature controls
Operating radius & parking security
DOT/insurance loss history & safety score
Many brokers require $100,000 minimum; high-value loads (electronics, pharma) may need $250,000–$500,000+. We tailor limits per contract.
Why Choose Us for Cargo Coverage?
We match your commodity list and shipper contracts to a carrier form that fits—reefer, flatbed, LTL, or high-value.
Fast certificates for brokers, flexible limits, theft-prevention guidance, and clear claim support when you need it most.
Protect your loads and meet broker requirements with the right limits and endorsements—set up in hours, not days.
👉 Call us at 908-888-0120 or use our quick online form to get started.
Find out more about truck insurance coverages
Get the right truck insurance at the best price—call us today for a free, no-obligation quote! Our expert team is ready to find you customized coverage that keeps you protected and your business moving forward.