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  • Commercial Truck Insurance
  • Get a Quote
  • Get Certificate
  • Trucking Companies
  • Tractor Trailers
  • Trailer Interchange
  • Bobtail Trucks
  • Motor Truck Cargo
  • Long Haul Trucking
  • Logging Trucks
  • Dump Trucks
  • Hot Shot Truckers
  • Report Claim
  • Make payment
  • Contact
    • Privacy Policy
  • Testimonials
Commercial Truck Insurance
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Let our Team at Commercial Truck Insurance help You find the perfect Insurance Policy!

Serving Commercial Trucking's Insurance needs since 2002.

Low Cost Motor Truck Cargo Trucking Insurance

Call or Text (877) 286-5577 or send an e-mail to Transportation@Axiom-Insurance.com for a Quick Quote

​Motor Truck Cargo Insurance
  • Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.
  • If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).
Who needs motor truck cargo insurance?
  • A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.
Limits, deductibles, and other details
  • When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.
A major activity of commercial trucking is transporting cargo. There are two parties with a huge interest in the cargo: the property's owner and the trucking company or independent trucker transporting that property. Usually it is the trucker's responsibility to arrange for insurance since that is the party having custody and control of both the vehicle and the goods being shipped. Motor Truck Cargo coverage responds to a substantial, combined exposure. Specifically, it protects against the liability similar to taking a house full of expensive contents on the road for a long trip.

The coverage is typically written in the name of the independent trucker or trucking firm that owns the transporting vehicle. The policy protects against claims by third parties such as:
  • The owner of the goods being transported - Ex.: a hit and run driver slams into Sam's truck and takes off. Sam has to report to his client, a toy maker, that the entire shipment of bikes, paint sets and dolls was destroyed. The toy maker sues Sam to recover damages.
  • Other drivers on the transportation route - Ex.: Linda, of Linda's Luxury Landliners, fails to see an SUV and destroys it as she backs out of a truck stop.
  • Persons authorized to handle the truck or its contents - Ex: Jim greets Pete of Midwest Transportex, Inc. After Pete opens the truck for unloading, Jim climbs up and then falls off the back of the truck. Pete failed to properly secure the doors, causing Jim's injury.
Cargo coverage can be complicated, While all transportation exposures have basic items in common, the total exposure is affected by the type of equipment, the routes traveled, the distance traveled, the driver’s experience, the type of cargo being shipped, the time allowed to make the delivery, whether the trip involves intrastate, interstate or even across-the-border travel.

Cargo policy limits should reflect the value of the property being shipped. However, many policies restrict coverage by providing a maximum limit for certain perils such as theft. Another restriction is to void any theft coverage if the loss occurs when the covered vehicle is unattended. Such provisions are usually used when commodities such as alcohol, expensive garments, and electronics are being transported. Such goods attract thieves, so insurers are more careful about providing insurance.

The amount and type of coverage may also be affected by various state laws, so coverage should reflect the coverage necessary to comply with the most demanding jurisdiction on the travel route. Insurance companies that offer Motor Cargo Coverage are often very knowledgeable about this type of insurance. They typically also have different preferences for the amount of coverage they wish to write, the type of property they want to cover and the type of shipping companies and/or circumstances.

It is important that, when securing coverage, a trucker or trucking company be certain they receive the help of an insurance agent who is qualified to understand what coverage is needed and what is being offered by various insurers.
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Our Promise to You

Our agency makes sure our customers receive the best possible price, with full attention to the amount and type of coverage they are provided. We refuse to allow our customers to be insured with a second-rate insurance company that may not always provide the best in claims or service, or may tend to offer future rate increases that are unreasonable.

We are dedicated to providing our customers with insurance to meet every need using only the best rated companies along with our years of experience. This combination works very well for our customers and we appreciate each one.
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