Motor Truck Cargo Insurance
Protect Your Freight with Confidence
Keep your cargo safe with Motor Truck Cargo Insurance from Southern Charm Insurance (SCI) — one of the nation’s most trusted names in trucking insurance. Whether you’re hauling general freight, specialized goods, or high-value shipments, our flexible policies are built to protect your load from theft, damage, or loss while in transit.
We offer both short-term and long-term insurance solutions designed for owner-operators and small fleets, so you can focus on the road while we handle the risk.
Motor Truck Cargo Insurance, Coverage for Your Shipment
Get a free quote today and covers the cargo while in transport
Also known as Cargo Legal Liability Insurance, this policy covers losses or damage to the commodities you haul. Coverage begins once the driver takes possession of the load (as shown on the Bill of Lading) and continues until it’s safely delivered and signed for.
Truck drivers and carriers are responsible for the goods they transport — and without cargo insurance, even a small claim can cause big financial losses. With SCI’s cargo insurance, your business stays protected against unforeseen risks during every mile of your haul.
Policies are customized based on the type of commodities, and premiums typically range from $5,000 to $20,000 per year depending on your operation and cargo type.
We are an A.M. Best Rated Company. Our insurance certificates are accepted by:
- Landstar Systems
- C.H. Robinson
- JB Hunt
- Transcore
- Schneider Logistics
- Allen Lund
- UIIA
- England Logistics
- CRST Logistics
- Fuller Transport
- Total Quality Logistics
- BNSF Logistics
- Sargent Trucking
- Chop Tank Transport
- John J Jerue
- Registry Monitoring Insurance Services (RMIS)
- Patterson Truck Brokerage
- Many More...
SCI is Your Leading Motor Truck Cargo Insurance Company
At Southern Charm Insurance, experience makes all the difference.
For over two decades, we’ve helped independent owner-operators, small fleets, and freight carriers across 48 states protect their cargo and their livelihood.
Whether you’re moving general freight or high-value shipments, we provide specialized coverage beyond standard liability — because we understand your cargo is more than just goods. It’s your business.
What Does Motor Truck Cargo Liability Cover?
Motor truck cargo liability insurance typically covers the following:
- Physical damage to cargo: This includes damage caused by fire, theft, collision, water damage, and other perils.
- Loss of cargo: This includes cargo that is lost or stolen, as well as cargo that is damaged beyond repair.
- Expediting expenses: This includes the cost of expediting shipping to meet delivery deadlines in the event of a loss or damage to the cargo.
- Legal expenses: This includes the cost of defending against lawsuits filed by cargo owners who have suffered losses as a result of damage to or loss of their cargo.
What Risks are Covered by Cargo Liability Coverage?
Both specific hazards and all-risks are available options for motor truck cargo liability coverage. All sources of loss, except those that are expressly excluded, are covered under all-risks or open hazards policies. Only the risks that are specifically mentioned in the policy are covered by specific hazards cargo insurance.
Typically listed risks include:
- Lightning
- Windstorm
- Vandalism
- Explosion or Fire
- Collision
- Rioting or Other unrest
Who Needs Motor Truck Cargo Insurance?
For people who drive the following, motor truck cargo insurance is advised in addition to commercial vehicle insurance:
- Garbage Vans
- Cargo Trucks
- Hauling Vans
- Box Trucks
- Hauling Vans
- Flatbed Trucks
Cargo insurance is essential for long-haul carriers, even though it is not legally required. Some dump truck companies and risk managers require contract for-hire drivers to carry their own motor truck cargo insurance.
Protect your business and the goods you transport with SCI motor truck cargo insurance.
Limits, Deductibles, and Other Helpful Motor Truck Cargo Insurance Information
When choosing your motor truck cargo insurance, it’s essential to understand your coverage limits and deductibles.
- Coverage Limit: This represents the maximum amount your insurance provider will pay in the event of damaged or destroyed cargo.
- Deductible: This is the portion you’re responsible for paying out of pocket before your insurance coverage begins.
Opting for a higher deductible can help reduce your monthly premiums. However, always make sure the deductible you select is one you can comfortably afford if a claim arises.
Exceptions and Restrictions
Our cargo insurance plans apply only to vehicles used for for-hire trucking with at least one of the following body types:
Dump Trucks, Forklifts, Trailers, Box Trucks, Cement Trucks, Cargo Vans, Dually Pickups, Flatbeds, and Car Haulers.
What is Excluded?
- Paper, jewellery, or works of art
- Items not covered by a bill of lading
- Illicit goods, prescription drugs, cigarettes, and alcohol
- Keeping items for more than 72 hours
- Living creatures
- Packaging for shipping
- Personal property
- Packaging for shipping
- Owned goods or property by the insured individual
Types of Motor Truck Cargo Insurance
At SCI, we understand that every trucking business is different. That’s why we offer two types of flexible cargo insurance options to suit your operational needs — whether you’re hauling occasionally or running regular freight routes.
Short-Term Cargo Insurance
Our short-term cargo insurance is perfect for truckers who need coverage on a per-load basis. It’s ideal for:
- One-Time or Occasional Hauls: Great for owner-operators handling spot loads or seasonal shipments.
- Fast, Flexible Coverage: Purchase online in minutes—no lengthy paperwork or commitments.
- Cost-Effective: Pay only for the coverage you need, when you need it.
Permanent Cargo Insurance
For trucking businesses with regular routes and consistent shipping demands, permanent cargo insurance offers comprehensive, ongoing protection. Benefits include:
- Continuous Coverage: No need to purchase separate policies for each load.
- Customizable Policies: Tailor coverage to your specific cargo types, routes, and business needs.
- Peace of Mind: Know your freight is always protected, reducing administrative hassle.
No matter your operation size or frequency of hauls, we have the right coverage to keep your business moving safely and securely.
For more information on cargo insurance, visit our sister company, CargoPolicy.com
Motor Truck Cargo Insurance Cost
Pricing depends on factors such as your cargo type, hauling distance, coverage limit, and deductible.
On average, motor truck cargo insurance ranges between $5,000 and $20,000 annually, with additional options for enhanced protection.
For a personalized quote, call us directly at (828) – 785 – 1421 — our licensed agents are available Monday to Friday, 9 AM – 5 PM for faster responses.
Why Choose SCI for Your Motor Truck Cargo Insurance?
With over 20 years of trucking insurance expertise, SCI continues to protect owner-operators, fleets, and freight carriers nationwide.
Here’s why thousands of drivers trust us:
1. Trucking Insurance Specialists
We focus solely on commercial trucking — meaning we understand the real risks you face and how to cover them effectively.
2. Tailored Coverage
Every policy is built around your operation — your cargo type, routes, and compliance requirements — so you never overpay for unnecessary coverage.
3. Regulatory Expertise
We help ensure your insurance meets FMCSA, UIIA, and other industry compliance standards, giving you fewer headaches and more peace of mind.
4. Quick Quotes & Responsive Support
We value your time. Our team provides fast, accurate quotes — often within the same business day — and personal assistance every step of the way.
5. Nationwide Reach
Licensed in 48 states and backed by an A.M. Best “B++ (Good)” rating, SCI is a trusted name in trucking insurance from coast to coast.
Why Thousands of Drivers Trust SCI:
We Specialize in Trucking Insurance
Unlike general insurance providers, we focus solely on commercial trucking. Our licensed agents are cargo insurance experts, and they know how to structure policies that match the type of freight you carry and the risks you face on the road.Tailored Coverage for Your Operation
No two cargo haulers are the same. We customize every policy based on your cargo type, business size, operating radius, and compliance needs—so you get the right protection without overpaying.We Know the Regulations
Whether you’re hauling under UIIA agreements, state-specific freight guidelines, or FMCSA regulations, we ensure your cargo insurance aligns with all necessary legal requirements. That means fewer headaches and smoother operations.Fast Quotes, No Guesswork
We don’t believe in one-size-fits-all premiums or vague coverage terms. With the right documentation, we’ll provide a quick and accurate quote—often within the same business day.Trusted Nationwide
Licensed in 48 states and based near Port Newark and New York City, SCI is positioned to serve clients coast to coast, offering deep industry knowledge and competitive pricing.Financial Strength Backed by AM Best
With a B++ (Good) rating from AM Best, SCI has a solid financial foundation, ensuring we can meet our obligations when you need us most.
More Than Just a Motor Truck Cargo Insurance Policy—A Partner You Can Count On
At SCI, we do more than sell policies—we protect your business. From helping you meet shipper requirements to covering damage caused by accidents, theft, or weather, our goal is simple: make sure your cargo is covered and your business keeps moving.
Whether you’re new to cargo hauling or looking to improve your current policy, SCI has the experience, insight, and integrity to help you make the right choice.
- Expertise: SCI has a team of experienced insurance professionals who understand the unique needs of truckers.
- Dedication: SCI is committed to providing its customers with the best possible service.
- Affordability: SCI offers competitive rates on truck insurance.
Apply for motor truck cargo insurance today with SCI and get the peace of mind knowing that you’re protected.
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