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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

Need a Quote?

As a GMI Appointed Agency / Agent, you can submit your quote requests online. Click on the button below, send us some information, and we'll get you a quote. It's that easy!

Program Contacts

Andrew Farmer

Underwriter /

Business Development

Lori Smith

Business Development

Lynise Walton

Business Development

For a complete contact information, click here.


“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

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