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


Note: 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

Submission Requirements

Business Development Team

Lori Smith

Business Development

Lynise Walton

Business Development

Trish Yaeckel

Business Development


“You all are seriously the best =)
I want to thank you for handling this so quickly for us. You were all very quick and efficient.”

Alyssa G.
Florida Agent