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, more commonly referred to as “Cargo Insurance” covers losses or damage to the commodities the trucker is hauling while they are being transported. Carriers are responsible for the cargo they control while it is in their possession. While operating under a Bill of Lading, beginning at the point at which the cargo is taken into their possession until when it reaches its destination and is signed for, it is the Carriers responsibility to take every possible step to insure the safety of the cargo.

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. Cargo 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 cargo insurance certificates are accepted by:

What Does Motor Truck Cargo Liability Cover?

National Independent Truckers Ins. Co., RRG provides Cargo Insurance for various types of commodities including but not limited to General Dry Freight Haulers, Automobile Haulers, Refrigerated Food Haulers and Dump Truck Operations. We provide Cargo Insurance coverage for not only Interstate but also Intrastate Carriers.

What Risks are Covered by Truck Cargo 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:

Any long-term carrier must purchase cargo insurance to safeguard the items they are transporting. Despite the fact that it is not required by law, some dump truck companies and risk managers will insist that contract for-hire drivers carry their own motor truck cargo insurance.

Make sure that your vehicles are insured today by signing up for NITIC’s motor truck cargo insurance.

Limits, Deductibles, and Other Details

You must choose a limit for your coverage when you choose truck cargo insurance. The most your insurance provider will reimburse you for damaged or destroyed cargo depends on this limit.

Additionally, you must pick a deductible. A deductible is the sum of money you consent to pay out of pocket in the event of a claim. A simple approach to reducing the cost of your insurance is to choose a larger deductible. But be sure to select one that you can afford to pay out of cash at any time.

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:

The National Independent Truckers Insurance Company is a leading multi-line insurance provider. As one of the most reputable insurance companies in the U.S., NITIC is aware of the dangers that carriers face in today’s competitive marketplace.

The professional expertise and dedication to the customer’s needs that have always defined NITIC’s approach to insurance solutions underpin the company’s services to assist clients in better managing their cost of risk. So apply for truckers insurance today with National Independent Truckers Insurance Company to secure your investments.


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.