First-party coverage for cargo damaged, stolen, or lost while in transit on your equipment.
Limits & options
Standard limits$100K – $250K per load
Available limitsUp to $5M
Deductibles$1,000 – $20,000
Reefer breakdownEndorsement available
What's covered
01
Freight in transit
Goods damaged or destroyed by collision, fire, theft, or covered perils while on your truck.
02
Refrigerated breakdown
Spoilage from temperature failure on reefer loads — when endorsed.
03
Loading & unloading
Cargo damage during loading or unloading at origin and destination, within policy terms.
04
Debris removal
Reasonable cost to remove damaged cargo and clean up after a covered loss.
Who needs it
Long-haul dry van fleetsReefer carriersFlatbed and open-deckHotshotsExpeditorsAuto haulersOwner-operators leased to a carrier
FAQ
For motor carriers, no — but most shippers and freight brokers require it on the certificate of insurance. $100K is the most common contractual minimum.
Standard exclusions: live animals, tobacco, alcohol, electronics, hazardous materials, and cargo over the per-load limit. Specialty endorsements may be available for some of these classes depending on the carrier.
Driven by your radius of operation, commodities hauled, fleet size, and loss history. Reefer and high-value commodities carry higher rates.
First-party coverage for cargo damaged, stolen, or lost while in transit on your equipment.
WHAT’S COVERED
01Freight in transitGoods damaged or destroyed by collision, fire, theft, or covered perils while on your truck.
02Refrigerated breakdownSpoilage from temperature failure on reefer loads — when endorsed.
03Loading & unloadingCargo damage during loading or unloading at origin and destination, within policy terms.
04Debris removalReasonable cost to remove damaged cargo and clean up after a covered loss.
WHO NEEDS IT
Long-haul dry van fleetsReefer carriersFlatbed and open-deckHotshotsExpeditorsAuto haulersOwner-operators leased to a carrier
FAQ
For motor carriers, no — but most shippers and freight brokers require it on the certificate of insurance. $100K is the most common contractual minimum.
Standard exclusions: live animals, tobacco, alcohol, electronics, hazardous materials, and cargo over the per-load limit. Specialty endorsements may be available for some of these classes depending on the carrier.
Driven by your radius of operation, commodities hauled, fleet size, and loss history. Reefer and high-value commodities carry higher rates.
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