Coverage for the freight moving through the Central Valley
The Port of Stockton and the I-5 / Highway 99 corridor move enormous volumes of freight, and the cargo on your trailer is rarely covered by your liability policy alone. Cargo insurance protects the goods in your care. Insurance City is a local independent brokerage that places cargo coverage for carriers and shippers across the region.
What cargo coverage includes
- Motor truck cargo — for the freight you haul as a carrier. Short definition: motor truck cargo.
- Refrigeration breakdown — critical for reefer loads, produce, and perishables.
- Theft, damage, and loss in transit.
- Limits matched to your typical and maximum load values — so you’re not underinsured on a high-value run.
Ag freight, refrigerated produce, dry van, or mixed commodities — we set the limits and commodity terms to fit what you actually move.
Why carriers work with us
We’re independent, so we shop your operation across major commercial carriers instead of one company’s appetite. We pair cargo with your trucking liability and explain the exclusions before you sign. Bilingual (English / Español) and local.
Get a cargo quote
Tell us what you haul and your typical load values, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
Frequently Asked Questions
What does cargo insurance cover?
The freight in your care against loss or damage in transit — collision, fire, theft — with refrigeration breakdown available for reefer and produce loads.
How much cargo coverage do I need?
Your limit should reflect the maximum value you would ever carry, not the average; brokers and shippers often require a minimum.
Is cargo the same as trucking liability?
No — liability protects others, cargo protects the freight you haul. If you haul for hire you need both.
Insurance City offers comparative quotes on Cargo Insurance from multiple insurance carriers so you can compare options and pick the right fit.
Want to compare your options? Request a quote and we’ll walk you through the coverages available.
Ready for a quote? Call, walk in, or send the form
Call (209) 670-1556 Request a Quote
956 W Robinhood Dr, Stockton · Mon–Fri 10am–6pm · Walk-ins welcome · Se habla español · ITIN accepted. Insurance City Agency, LLC · CA License #6003045. Reviewed by Santo Militello, California-licensed agent and owner (CA Lic. #1737723). Our licensed team brings more than 70 years of combined insurance experience.
