Trucking Insurance · Motor Truck Cargo
General freight to produce, steel to electronics, containers to household goods — cargo coverage with the limits and the wording your shippers check, from a broker who asks what you actually haul.
Motor truck cargo is the coverage the shipper and the broker actually check before they give you the load — the limit, the deductible, the commodity exclusions and whether reefer breakdown is on. We write it for nearly every commodity that moves on a California or Arizona highway, from $100,000 to $500,000 and higher on request, on single trucks and on fleets, scheduled or blanket. The trick is the same every time: tell us exactly what you haul, and we take it to the carrier whose cargo form does not exclude it.
Cargo pricing lives and dies on the commodity list. "General freight" that turns out to be televisions is the most common reason a claim is argued, and the easiest one to prevent — so the list below is long on purpose. If what you haul is not on it, call: it is probably still insurable.
Palletized goods, consumer products, paper, plastics, packaging — the backbone of the book, with $100K to $500K limits.
Reefer breakdown and spoilage, the Salinas, Central Valley and Nogales lanes, and the limits produce shippers require.
Load securement questions answered up front; tarps, coil racks and oversize endorsements where they apply.
Construction and ag equipment on lowboys and step decks, scheduled high-value pieces, heavy-haul permits.
UIIA-compliant trailer interchange and cargo for the Ports of Los Angeles, Long Beach and Oakland.
Local and long-distance movers with the valuation coverage California's BHGS and the FMCSA require.
Box trucks and straight trucks on delivery contracts, with the additional-insured and limit wording the contract specifies.
Bottled and canned goods, dry grocery, bakery and restaurant distribution.
Dealer and distributor runs, tires and wheels, with theft deductibles priced sensibly.
Seasonal operations and farm-to-processor hauling across the Central Valley.
Dump trucks and transfers on job sites, where the cargo is cheap and the liability is what matters.
Roll-offs and end dumps, with the pollution and clean-up questions handled.
Permit loads, pilot-car operations and the excess limits the permits and shippers ask for.
Class 3 fuel haulers and other placarded commodities with the $1M–$5M liability and pollution coverage the MCS-90 requires.
Written, with the right market, higher deductibles and security warranties (no unattended trailers, secured yards). Tell us up front and it prices right.
One-car wedges to nine-car stingers, with cargo written for vehicles in transit. A thin market in 2026; we quote it straight.
Wreckers, flatbeds and rotators: on-hook cargo for the car you are towing, garagekeepers for the one in your yard.
Time-critical loads, medical supplies and samples, with the temperature and chain-of-custody wording the shipper asks for.
Cargo rides alongside auto liability, physical damage and general liability on the same quote. Start the quote and check every commodity that applies — the form asks on step four.
$100,000 is the minimum most freight brokers accept; $250,000 is common for produce, reefer and dedicated contracts; electronics, pharma and some shipper packets require $500,000 or more. Check the broker and shipper requirements you expect to work under and we will match the limit.
For a single truck hauling general freight at $100,000, commonly a few hundred to a couple of thousand dollars a year depending on radius, commodity, deductible and loss history; reefer breakdown and high-theft commodities add to it. See our California cost guide for real 2026 ranges.
Only what the policy's commodity schedule and exclusions allow — which is why we ask for the full list. Common exclusions on standard forms include live animals, art, jewelry, cash, and sometimes electronics, alcohol and tobacco unless specifically added.
Yes, with the right carrier. Expect a higher deductible for theft, security warranties such as no unattended loaded trailers overnight, and a premium that reflects the risk. Telling us up front is what makes it affordable.
Not automatically. It is an endorsement that pays for spoilage caused by mechanical failure of the reefer unit, usually with its own deductible and a maintenance warranty. If you haul anything temperature-controlled, ask for it.
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