Motor Truck Cargo

Covering Freight on the Road

For-hire trucking clients assume a large amount of financial responsibility for the cargo they haul each and every time they enter our nation’s highways. A loss can be a result of an accident, theft or refrigeration breakdown. We deliver risk solutions and services exclusively to clients that haul freight on roads and highways.

We’ve partnered with a highly-rated carrier to create flexible coverage that can be standalone or paired with our other coverages like Business Auto Physical Damage.

Program Details

• Underwritten by an A.M. Best Rated “A+” non-admitted carrier

• Available limits from $100,000 to $ 250,000

• Deductibles from $1,000 to $5,000

• Loss ratio less than 60%

• Accepting new ventures

• Trailer Interchange and Refrigeration Breakdown endorsements available

Program available to retail agents in all states except AK, District of Columbia, HI, IL, MA, NJ and US Virgin Islands at this time.

Prohibited Risks

• Risks engaged in hauling their own goods
• Gross receipts, mileage or retro-rated risks
• SIR risks
• Risks with brokerage authority
• Tank trucks over 3,000 gallons
• CDL drivers with less than three (3) years experience operating truck / tractor
• CDL drivers with less than two (2) years experience operating heavy trucks
• Risk involved in “one shot” trip coverage

Prohibited Commodities

Autos, used, antique or classic
Boats
Chemicals
Coal or heat in route product like asphalt (others)
Copper
Currency, coins
Explosives, detonators, fireworks, fuses, celluloid, pyroxylin, nitroglycerine, ammunition or any explosive devices
Fertilizer and ammonia nitrate
(ammonia nitrate under 32% is acceptable)
Fine arts
Fresh seafood
Furs

Hazardous commodities
Household goods, moving and storage or used furniture
Junk, salvage or scrap
Livestock
Logs, pulpwood or wood chips
Mobile and manufactured homes
Motorcycles
Petroleum products
Pharmaceutical
Precious stones and metals
Radioactive materials
Tobacco or silks

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