Lighten Your Load

Eliminate worry with our cargo coverage.

Motor Truck Cargo Insurance

Our cargo coverage provides protection whether you are transporting your own commodities or hauling freight for someone else. For your convenience, cargo coverage can be added to a trucker policy or purchased as a separate policy.

Examples: Automobiles, boats, livestock, agricultural products, mobile homes, building materials, food products, machinery, bulk liquids, petroleum products


Cargo coverage pays for damages to goods you transport for hire or when transporting your own goods.

Additional Coverage Options:

  • Loading and Unloading Coverage
    Covers accidental breakage of cargo during loading and unloading process.
  • Refrigeration Breakdown Coverage
    Covers losses caused by malfunctions in temperature control units.
  • Earned Freight Coverage
    Replaces income lost when a load cannot be delivered due to a covered cargo loss.

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy. Insurance described here may be provided by any of the companies listed below.


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National Indemnity group of insurance companies

National Indemnity Company
National Fire & Marine Insurance Company
National Indemnity Company of Mid-America
National Liability & Fire Insurance Company
National Indemnity Company of the South
Columbia Insurance Company