Complementary coverage
Motor Truck Cargo
Loss of or damage to customers’ freight while it is in your care, custody and control.
The freight in your care
Motor truck cargo insurance helps pay for loss of or damage to the freight you haul. Shippers and freight brokers commonly ask for proof of cargo coverage before they tender a load. Ask us about cargo coverage alongside your RyskLOK liability program.
A risk retention group writes liability insurance only. Motor Truck Cargo is not a liability coverage, so it may be placed with another insurer alongside your RyskLOK liability program.
What it can cover
- Loss of or damage to freight from covered causes
- Freight on your truck and while loading and unloading, as stated in the policy
- Limits matched to the value of the loads you haul
Who it’s for
- For-hire carriers hauling customers’ freight
- Carriers working with freight brokers and load boards
Common questions
For most general freight carriers it is not a federal requirement, but brokers and shippers often require it in their contracts. Household goods carriers have separate federal cargo rules.
This page is general and educational. Coverage, limits and exclusions are set by the policy issued and are subject to eligibility, state availability and underwriting review.
Works well with
Related coverage
Ready to lock in your coverage?
Tell us about your operation and our team will follow up with the options that fit.