Motor Truck Cargo Insurance for Truckers
When you’re hauling freight, you’re not just responsible for your rig—you’re responsible for the load inside. One incident of damage, theft, or loss could cost your business thousands and jeopardize relationships with brokers and shippers. That’s where Motor Truck Cargo Insurance comes in. At FleetGuard USA, we provide cargo coverage designed specifically for truckers who need to protect the goods they haul and the reputation they’ve built.
What Is Motor Truck Cargo Insurance?
Motor Truck Cargo coverage protects the freight in your care while it’s being transported. If goods are lost, stolen, or damaged during transit, this coverage helps pay for the claim—keeping you compliant with broker and shipper requirements and safeguarding your bottom line.
Cargo policies can be written as:
All-Risk Coverage – Broad protection against most causes of loss.
Named-Perils Coverage – Protects against specific, listed risks like fire, theft, or collision.
Why It Matters for Truckers
Without cargo coverage, a single incident could leave you responsible for tens or even hundreds of thousands of dollars in losses. Brokers and shippers know this—which is why many require proof of Motor Truck Cargo Insurance before awarding loads. This coverage provides:
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Protection Against Loss & Theft – Ensures damaged or stolen freight is covered.
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Business Stability – Prevents cargo claims from draining your business finances.
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Broker & Shipper Compliance – Meet requirements for contracts, often $100K+ in coverage.
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Peace of Mind – Focus on driving and delivering, knowing the load is protected.
Protect the Freight. Protect Your Reputation.
The freight you haul is your responsibility—and your reputation rides with it. With Motor Truck Cargo Insurance from FleetGuard USA, you gain the protection brokers expect and the peace of mind your business needs.
Typical Coverage Limits
While requirements vary, most brokers expect at least $100,000 in Motor Truck Cargo coverage. Specialized hauls—such as Hazmat, refrigerated goods, or high-value freight—may require higher limits. At FleetGuard USA, we tailor coverage to match your operation and help you secure the right protection without overpaying.
Who Needs Cargo Coverage?
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Owner-Operators running under their own authority.
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Small Fleets expanding into contracted freight.
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Large Fleets that manage multiple contracts and commodities.
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Specialized Carriers hauling Hazmat, reefer loads, auto haulers, or other high-value freight.
Why FleetGuard USA?
Not all cargo policies are the same. Our expertise ensures you get coverage that actually fits your operation:
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Trucking-Specific Knowledge – We understand cargo risks unique to trucking.
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Access to Multiple Carriers – Secure competitive rates with the right terms.
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Flexible Options – Choose all-risk or named-perils, with limits that match broker demands.
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Fast Service – Quick certificates so you can book loads without delay.
FleetGuard USA provides reliable, customized insurance solutions for trucking companies and owner-operators across the nation. Our mission is to keep you protected on every mile, with coverage you can count on and service you can trust.
© 2025 FleetGuard USA. All rights reserved.
Important Notice: This website provides only a general description of insurance coverages and services offered by FleetGuard USA. It is not a statement of contract. Coverage options, terms, conditions, and exclusions vary and may not be available in all states. For complete details, please refer to the actual policy documents, including all endorsements.
Coverage cannot be bound, amended, or altered through this website, email, or voicemail messages. All changes must be confirmed in writing by FleetGuard USA and are subject to carrier underwriting approval.
