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Motor Truck Cargo insurance protects the freight you haul when it is damaged, stolen, or lost while in your care, custody, and control. It is one of the most contract driven coverages in trucking and one of the most misunderstood.
Cogo Insurance places Motor Truck Cargo coverage for owner operators and fleets across the United States, from standard freight to high value and specialized cargo. We structure policies that meet broker and shipper contracts, not just minimum limits on paper.
Motor Truck Cargo responds when freight is damaged or lost during transit. Coverage applies while cargo is on the truck, and in many cases during loading and unloading.
Typical covered losses include:
Cargo coverage protects the shipper, broker, and your trucking business from financial loss and lawsuits.
Cargo limits should reflect the value of the freight you haul and your contractual obligations.
Common limit structures include:
Cogo Insurance regularly places layered cargo programs for fleets hauling electronics, food, pharmaceuticals, batteries, and other high value commodities.
Cargo policies are defined by endorsements. Missing one provision can turn a claim into a denial.
Common and high impact provisions include:
Required for hauling lithium ion and lithium metal batteries, energy storage systems, and products containing batteries. Without this endorsement, many carriers exclude battery related losses.
Allows a claim to be treated as a total loss when salvage or recovery costs exceed the value of the cargo.
Covers loss in value when damaged goods are repaired but cannot be sold at full market price.
Provides coverage based on the value shown on the shipping manifest rather than a blanket sublimit.
Covers costs to remove damaged freight from a roadway or accident site.
Required for refrigerated cargo and temperature sensitive freight.
Covers lost freight charges when a cargo loss prevents delivery.
Cogo Insurance reviews these provisions line by line to avoid coverage gaps.
Motor Truck Cargo is required by most freight brokers and shippers for:
Even carriers hauling their own goods often need cargo coverage for contractual protection.
Cargo rates depend on exposure and control of loss. Underwriters focus on:
Strong risk controls lead to broader terms and better pricing.
Many carriers discover problems only after a loss:
Cogo Insurance structures cargo policies so claims respond as expected.
Cargo is not a commodity policy. Details matter.
We align cargo insurance with how you actually operate.
Cargo insurance is not federally mandated for all carriers, but almost all freight brokers and shippers require it.
Limits should match the maximum value of freight you haul at any one time, not just the average load.
Yes, but coverage depends on policy wording and endorsements. Some policies require evidence of forcible entry.
No. Most policies require a specific lithium battery endorsement.
Yes. Higher limits up to $10 million are available through excess and surplus markets for qualifying risks.
Yes. We review contracts to confirm your cargo policy meets all requirements.
