Motor Truck Cargo Insurance

NITIC is a cargo insurance company that specializes in assisting owners and truck fleets in obtaining high-quality and affordable truck insurance with our commercial auto liability policy.

Motor Truck Cargo Insurance, Coverage for Your Shipment

Get a free quote today and covers the cargo while in transport

Motor Truck Cargo Legal Liability Insurance, also known as Cargo Insurance, covers losses or damage to the commodities that truck drivers are carrying. This coverage begins when the driver takes possession of the cargo, as evidenced by the Bill of Lading, and continues until the cargo is delivered and signed for at its destination. Truck drivers are responsible for the cargo they are carrying, so it is important to have Cargo Insurance to protect themselves from financial losses in the event of a claim.

In the event that a loss occurs while the cargo is in transit, the policyholder will be covered as long as there are no perils or cause of loss specifically excluded in the policy. The insurance policies are written based on the actual commodities being hauled and are very specific. Cargo Insurance policies are usually endorsed or modified to meet the needs and exposures of the particular carrier for hire. Insurance premiums and deductibles vary depending on the commodities hauled. Motor truck cargo insurance costs vary from $5,000 to $20,000 with extra insurance also being offered.

We are an A.M. Best Rated Company. Our insurance certificates are accepted by:

What Does Motor Truck Cargo Liability Cover?

Motor truck cargo liability insurance is a type of insurance that protects motor carriers from financial losses in the event of damage to or loss of cargo while it is in their possession. This coverage is essential for truck drivers, as they are legally liable for the cargo they are transporting.

Motor truck cargo liability insurance typically covers the following:

  • Physical damage to cargo: This includes damage caused by fire, theft, collision, water damage, and other perils.
  • Loss of cargo: This includes cargo that is lost or stolen, as well as cargo that is damaged beyond repair.
  • Expediting expenses: This includes the cost of expediting shipping to meet delivery deadlines in the event of a loss or damage to the cargo.
  • Legal expenses: This includes the cost of defending against lawsuits filed by cargo owners who have suffered losses as a result of damage to or loss of their cargo.

What Risks are Covered by Cargo Liability Coverage?

Both specific hazards and all-risks are available options for motor truck cargo liability coverage. All sources of loss, except those that are expressly excluded, are covered under all-risks or open hazards policies. Only the risks that are specifically mentioned in the policy are covered by specific hazards cargo insurance.

Typically listed risks include:

Who Needs Motor Truck Cargo Insurance?

For people who drive the following, motor truck cargo insurance is advised in addition to commercial vehicle insurance:

Cargo insurance is essential for long-haul carriers, even though it is not legally required. Some dump truck companies and risk managers require contract for-hire drivers to carry their own motor truck cargo insurance.

Protect your business and the goods you transport with NITIC’s motor truck cargo insurance.

Limits, Deductibles, and Other Details

When choosing truck cargo insurance, you must select a limit of coverage and a deductible.

The limit of coverage is the maximum amount your insurance company will pay for damaged or destroyed cargo. The deductible is the amount you will pay out of pocket before your insurance company pays anything.

Choosing a higher deductible is a simple way to reduce your insurance premium, but it is important to choose a deductible that you can afford to pay out of pocket in the event of a claim.

Exceptions and Restrictions

Only plans with at least one of the following body types—dump truck, forklift, trailers, box trucks, cement trucks, cargo vehicles, dually pick-ups, flatbeds, and car haulers—are eligible for cargo insurance for risks associated with for-hire trucking.

What is Excluded?

At this time we do not offer coverage for Hazardous Material Haulers. Apart from this commodities like the following may not be covered within the motor Truck Cargo insurance :

NITIC is one of the most reputable insurance companies in the U.S., and we understand the challenges that carriers face in today’s competitive marketplace. That’s why we offer comprehensive truck insurance solutions that help you manage your cost of risk and protect your investments.

Why choose NITIC?

  • Expertise: NITIC has a team of experienced insurance professionals who understand the unique needs of truckers.
  • Dedication: NITIC is committed to providing its customers with the best possible service.
  • Affordability: NITIC offers competitive rates on truck insurance.

Apply for motor truck cargo insurance today with NITIC and get the peace of mind knowing that you’re protected.


Sheri is the best customer service rep around. Very pleasant and very informative.




Cargo insurance for motor trucks comes at a variety of prices. The trucking company, the number of trucks, and the kind of cargo affect the price.

It could take around two to four weeks. A claim can be paid more quickly the sooner an insurer obtains all pertinent claim-related documents.
Motor truck cargo insurance covers the transporter’s liability when there is lost or damaged cargo.
As stated on your Certificate of Insurance, follow the instructions. Inform the carrier of the loss and your intention to file a claim for it in writing. To find out the source and scope of the loss, get in touch with the inspector at the destination. Inform your cargo insurance firm so that they can help you with the claims management procedure.