Motor Truck Cargo Insurance

Liability? No worries, we’ve got it handled!

Cargo Insurance Covers:

  • Cargo Theft – Protects against stolen goods while in transit, at rest stops, or during unloading.
  • Cargo Damage from Accidents – Covers losses if the truck is involved in a collision, rollover, or other accident.
  • Fire, Flood, and Natural Disasters – Pays for cargo damage caused by fire, floods, hurricanes, tornadoes, and other natural events.
  • Load Dumping or Equipment Failure – Provides coverage if cargo is accidentally spilled due to mechanical failure or improper securement.
  • Refrigeration Breakdown – Covers perishable goods damaged due to refrigeration unit failure or malfunction.

One Stop Truck Insurance Shop

We are your one-stop shop for all things truck insurance. Whether you need coverage for a single truck, a fleet, or specialized cargo, we offer a wide range of tailored solutions to meet your unique needs. With access to top-rated insurance providers and expert brokers, we simplify the process, ensuring you get the right protection at competitive rates—all in one place.

Cargo Insurance For Truckers

Motor Truck Cargo Insurance protects freight from loss, damage, or theft during transit due to accidents, fire, natural disasters, or equipment failure. It is essential for truckers to meet shipper requirements, avoid financial losses, and maintain business stability.

Semi Trucks

Truck insurance provides essential coverage for commercial truck owners, protecting them from financial losses due to accidents, liability claims, and cargo damage. Whether you’re an independent owner-operator or manage a fleet, the right insurance policy ensures compliance, safety, and peace of mind on the road.

Box Trucks

Box truck insurance is designed to protect businesses and independent operators from financial risks associated with accidents, liability claims, and cargo damage. Whether you’re hauling goods locally or over long distances, having the right coverage ensures your truck, business, and livelihood stay protected on the road.

Business Vehicles

Business vehicle insurance provides essential coverage for companies that rely on cars, vans, or trucks for daily operations, protecting against accidents, liability claims, and vehicle damage. Whether you have a single company car or an entire fleet, the right policy helps keep your business moving safely and efficiently.

Fast Quotes & Service

At A Truck Insurance Agency, we pride ourselves on delivering fast quotes and exceptional service to keep your business moving without delays. Our experienced team works quickly to find the best coverage options, ensuring you get the protection you need at competitive rates—because your time on the road is valuable!

Trusted By Truckers Nationwide

We have partnered with top-rated, nationwide insurance providers that specialize in the trucking industry, ensuring reliable coverage tailored to your needs. Our commitment to fast service, competitive rates, and expert support gives our clients a peace of mind, knowing they’re protected on every mile of the journey.

Truck Cargo Insurance FAQs

Have questions about truck cargo insurance? We’ve got you covered! Below are some of the most common questions truckers ask about cargo coverage, including what it covers, why it’s required, and how to get the right policy for your business. If you need more information, our experienced brokers are here to help—contact us anytime!

No, it is not federally required, but many shippers, brokers, and contracts mandate it before allowing a trucker to transport freight.

Covers cargo theft, damage from accidents, fire, natural disasters, and equipment failures (e.g., refrigeration breakdowns, if included).

Yes! You can add coverage options like refrigeration breakdown, debris removal, loading/unloading coverage, and others depending on your specific freight needs.

Excludes improper packing, inherent vice (natural deterioration), illegal goods, and other specific exclusions mentioned in the policy.

tailored insurance plans for smart truckers

Truckers face high insurance costs due to rising accident rates, expensive claims, and strict regulations. New drivers struggle to secure coverage, while larger fleets must comply with complex state and federal requirements. To stay protected and operational, truckers need tailored insurance solutions that balance affordability and coverage.