Cargo Liability Insurance for Trucking & Commercial Haulers
for Trucking & Commercial VEHICLES
ELITE PARTNERS INSURANCE GROUP
Protection for the Freight You’re Paid to Transport
Cargo Liability Insurance—also known as Motor Truck Cargo Insurance—protects your business when freight is lost, damaged, or stolen while in your care, custody, and control. At Elite Partners Insurance Group, we provide cargo liability coverage built specifically for trucking operations, helping carriers stay compliant, protect shipper relationships, and avoid costly out-of-pocket claims.
If you haul freight for hire, cargo coverage isn’t optional—it’s a requirement.
ELITE PARTNERS INSURANCE GROUP
Who Needs Cargo Liability Insurance
This coverage is critical for:
Owner-operators hauling freight for others
Motor carriers and trucking fleets
Contracted and for-hire carriers
Brokers requiring proof of cargo coverage
Shippers and receivers demanding compliant insurance
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
What Cargo Liability Insurance Covers
Freight Damage
Covers damage to cargo caused by covered events such as collisions, load shifts, or sudden braking while in transit.
Cargo Theft
Protects against losses caused by theft, including stolen trailers or cargo taken during transit or at approved stops.
Fire & Covered Accidents
Pays for cargo losses resulting from fire, explosion, or covered vehicle accidents.
Loading & Unloading Incidents
Coverage may apply when cargo is damaged during loading or unloading, depending on policy terms.
What Cargo Liability Insurance Does Not Cover
Understanding coverage limits helps avoid surprises:
- Your own truck or trailer damage (Physical Damage required)
- Injuries or third-party property damage (Auto Liability required)
- Certain high-value or excluded commodities
- Poor securement or improper packaging in some cases
- Losses outside covered territory or conditions
We help you combine the right policies so every part of your operation is properly protected.
Why Cargo Insurance Is Often Set Up Wrong
Many businesses run into problems because:
1.
Cargo limits are too low for the loads being hauled
2.
Specific commodities aren’t listed or are excluded
3.
Theft coverage is restricted or sub-limited
4.
Policies don’t match broker contract language
We structure physical damage policies that reflect real-world trucking—not generic assumptions.
ELITE PARTNERS INSURANCE GROUP
Stop Overpaying for
Cargo Liability Insurance
If you’re an owner-operator, fleet owner, or contractor, chances are you’re paying for coverage you don’t need—or missing coverage you do. Elite Partners Insurance Group helps you switch smarter, with policies built to fit your operation and pricing that makes sense.
We shop the market, cut the waste, and get your coverage set up fast—so you can save money, stay compliant, and keep moving.
Serving 47 U.S. states.
Not Available in Hawaii, Alaska, or Delaware
A Commercial Truck Insurance Partner—Not Just Another Agent
Why Choose Elite Partners Insurance Group
Elite Partners Insurance Group specializes in commercial trucking insurance built to fit your operation. No cookie-cutter policies—just the right coverage to keep you compliant, protected, and saving money.
Fast commercial truck insurance quotes with quick turnarounds
Plain-language explanations—no insurance jargon
Policies structured to pass DOT audits, shipper requirements, and contracts
Strong relationships with factoring companies, finance companies, and fuel card providers
Real customer service before, during, and after the policy is written
OUR GUARANTEE
Every commercial insurance policy we sell is true to fit—no gaps, no wasted coverage, and no surprises when it matters most.