Cargo Insurance

The load is the business. Insure the load.

Cargo coverage protects goods while they move: your products heading to customers, inputs heading to you, or — for carriers — the freight you're paid to haul. Road risk, theft from yards and truck stops, and load damage are the everyday exposures.

We arrange cargo for shippers and motor carriers, with limits per conveyance matched to your real load values.

What's covered

Physical loss or damage to goods in transit
Theft, including from parked and stored vehicles
Loading and unloading incidents
Named-perils or all-risks forms to suit the freight
Carriers' legal liability for freight in your care
Warehouse-to-warehouse coverage where needed

Good to know

Frequently asked questions

What's the difference between cargo insurance and carrier liability?: A carrier's liability to shippers is limited by contract and law — often far below the load's value. Shippers insure their goods with cargo coverage; carriers insure their legal liability. Which one you need depends on which side of the bill of lading you're on.
Are high-value or high-theft loads insurable?: Yes, with the right market — electronics, food, and metals carry theft ratings and security conditions (locked yards, tracking). We place them with insurers who write the commodity knowingly.
Is my trailer's contents covered by my truck insurance?: No — auto policies cover the vehicle and road liability, not the freight. Cargo is its own coverage, and the gap between them is where uninsured load losses happen.

Insurer partners

Insurers we compare for cargo insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

What's the difference between cargo insurance and carrier liability?

A carrier's liability to shippers is limited by contract and law — often far below the load's value. Shippers insure their goods with cargo coverage; carriers insure their legal liability. Which one you need depends on which side of the bill of lading you're on.

Are high-value or high-theft loads insurable?

Yes, with the right market — electronics, food, and metals carry theft ratings and security conditions (locked yards, tracking). We place them with insurers who write the commodity knowingly.

Is my trailer's contents covered by my truck insurance?

No — auto policies cover the vehicle and road liability, not the freight. Cargo is its own coverage, and the gap between them is where uninsured load losses happen.