Contingent Cargo Insurance for Trucking & Logistics
When freight is on the move, the unexpected can happen. Even if you don’t directly own the trucks, you may still be held responsible when cargo is lost or damaged. That’s where Contingent Cargo Insurance comes in—a safety net for brokers, carriers, and trucking businesses who need protection when the primary cargo coverage doesn’t respond.
At FleetGuard USA, we help trucking companies and logistics providers secure contingent cargo coverage that keeps freight moving and businesses protected.
What Is Contingent Cargo Insurance?
Contingent Cargo Insurance provides backup protection if a motor carrier’s or subcontractor’s Motor Truck Cargo policy fails to cover a claim. It’s especially critical for freight brokers and companies that rely on contracted carriers. Coverage applies to:
Theft, damage, or loss of cargo
Gaps in a carrier’s primary cargo policy
Insolvency or denial of coverage by a motor carrier’s insurer
Why Contingent Cargo Coverage Matters in Trucking
Protects your contracts – Many shippers require brokers and logistics companies to carry contingent cargo as part of their agreements.
Closes coverage gaps – Steps in when the carrier’s Motor Truck Cargo coverage is invalid, exhausted, or denied.
Protects your reputation – Ensures claims get paid so you can maintain strong relationships with clients and shippers.
- Affordable protection – Adds a crucial safety net without the cost of a full cargo policy.
Protect Freight, Protect Your Business
With Contingent Cargo Insurance from FleetGuard USA, you’ll have the protection you need when carrier coverage isn’t enough. Stay compliant, protect your contracts, and keep your reputation strong in the competitive trucking and logistics industry.
Contingent Cargo vs. Motor Truck Cargo
It’s important to know the difference:
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It’s important to understand the difference:
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Contingent Cargo Insurance → Protects brokers, freight forwarders, and businesses when the carrier’s Motor Truck Cargo insurance does not pay out.
In short: Motor Truck Cargo covers the trucker hauling the freight. Contingent Cargo covers the broker or business relying on that trucker’s coverage.
Who Needs Contingent Cargo Coverage?
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Freight Brokers & Logistics Companies – Protection when working with multiple carriers.
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3PLs (Third-Party Logistics Providers) – Required in many contracts with shippers.
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Carriers Using Subcontractors – Extra protection when freight is moved by others under your authority.
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Shippers Who Want Peace of Mind – Ensures claims are handled quickly, even if the carrier’s policy fails.
Why Choose FleetGuard USA?
At FleetGuard USA, we know the cargo insurance landscape inside and out. Our team helps you:
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Secure competitive contingent cargo rates with top insurers.
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Build policies that meet broker and shipper requirements.
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Understand and close gaps between Motor Truck Cargo and contingent coverage.
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Protect your freight relationships and reduce liability exposure.
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.
