Cargo Insurance & Motor Truck Cargo Coverage

Whether you are an owner-operator hauling your own products or a logistics company transporting goods for customers, the road is full of uncertainty. From theft and collision to fire and shifting loads, the risks facing freight in transit are significant—and the financial fallout from a single loss can be devastating.

Cargo Insurance provides the essential protection you need to cover the value of goods while they are being transported. It ensures that if property is lost, stolen, or damaged, you have the financial backing to repair or replace it without jeopardizing your business or your client relationships.

At Inszone Insurance, we specialize in helping trucking companies, distributors, and carriers secure the right Motor Truck Cargo insurance to keep their supply chains moving confidently.

What Is Cargo Insurance?

Cargo Insurance—often referred to as Motor Truck Cargo Insurance for for-hire carriers—is a policy designed to protect freight from the moment it leaves the loading dock until it reaches its final destination.

Standard commercial auto policies may cover your vehicle, but they often exclude or limit coverage for the actual goods you are hauling. Freight insurance fills that gap, accepting liability for the cargo itself and ensuring you can reimburse your customers if their shipment is damaged in your care.

What Does Motor Truck Cargo Insurance Cover?

A comprehensive cargo policy protects against the most common risks faced on the road. While policies can be tailored to specific commodities (such as refrigerated goods or hazardous materials), most standard plans cover:

• Collision and Accidents: Damage to goods resulting from a vehicle crash, overturn, or jackknifing.

• Theft and Hijacking: Protection against stolen goods—a critical coverage given the rise in cargo theft.

• Fire and Explosion: Coverage for losses caused by vehicle fires or cargo combustion.

• Strikes, Riots, and Civil Commotion: Protection against external disruptions that result in freight damage.

• Loading and Unloading: Liability coverage for damage that occurs during the handling of goods at pickup or delivery points.

Why Choose Inszone for Your Trucking Insurance?

With over 20 years of experience in the commercial insurance sector, Inszone is a trusted partner for transportation businesses nationwide. Here is why trucking companies and distributors choose us:

Transportation Industry Expertise We understand the logistics industry. We know the difference between hauling dry van freight and reefer (refrigerated) goods, and we know that “one size fits all” policies rarely work for cargo coverage. We use our experience to secure the specific limits and endorsements your broker contracts require.

Access to Top Commercial Carriers We are an independent agency, which means we are not tied to a single insurance provider. We have access to a vast network of the country’s best commercial insurance carriers, allowing us to compare rates and coverage options to find the best value for your business.

Tailored Logistics Solutions Every load is different. Whether you need coverage for high-value electronics, refrigerated spoilage breakdown, or standard dry goods, we tailor your policy to fit your specific cargo profile and budget.

Dedicated Claims Support When a claim happens, you need answers fast. Our knowledgeable insurance experts guide you through the claims process, helping you resolve issues quickly so you can get back on the road and maintain your reputation with your customers.

Benefits of Proper Goods in Transit Coverage

Investing in a robust cargo insurance plan offers more than just reimbursement—it offers business continuity.

• Financial Security: If freight is lost or damaged, your insurance covers the replacement costs, protecting your cash flow.

• Customer Trust: Clients want to know their goods are safe. Carrying proper Motor Truck Cargo insurance proves you are a professional, reliable partner who takes their assets seriously.

• Contract Compliance: Many shippers and freight brokers require proof of cargo insurance before tendering a load. Having the right certificate of insurance ensures you never miss a business opportunity due to compliance issues.

Secure Your Freight Today

Don’t let a single accident on the road erase your profits. Protect your customer relationships and your bottom line with a Cargo Insurance policy from Inszone.

Call us today for a free quote and let us help you find the right protection for your business.