Your trucking liability protects others; your cargo coverage protects the freight in your care. If you haul for hire, you need both.
What motor truck cargo covers
- Loss or damage to the freight you’re hauling — collision, fire, theft, and more.
- Refrigeration breakdown — critical for reefer loads and Central Valley produce.
- Debris removal and, in some forms, earned freight.
Setting the right limit
Your cargo limit should reflect the maximum value you’d ever have on the trailer, not the average. A produce run out of the Valley or a high-value dry-van load can exceed a low default limit fast — and brokers and shippers often require a minimum.
Watch the commodity and exclusions
Cargo policies list covered commodities and exclude others. If you switch lanes or start hauling something new, the policy needs to keep up — that’s a conversation worth having before the load, not after a claim.
Get cargo coverage that fits
Insurance City is a local independent brokerage in Stockton. Tell us what you haul and we’ll shop it across carriers — no broker fees on standard policies. Call (209) 670-1556.