Motor Truck Cargo Insurance

Motor truck cargo insurance for the freight and materials you haul

About HDVI's motor truck cargo insurance

A motor truck cargo insurance policy covers the freight or commodities you are hauling, and is increasingly being required by shippers and brokers. This insurance covers damage or destruction of cargo whether from collision, fire, rollover, or trailer/cargo strike. HDVI lets you select a limit for your cargo insurance policy, as well as a deductible. This can be a combined deductible with physical damage and up to $10,000.

Please contact your agent or HDVI to learn more about freight and commodities that are ineligible for cargo insurance.

Motor truck cargo coverage details

Cargo legal liability

• Deductibles offered: $1,000, $2,500, $5,000, and $10,000
• Limit: up to $250,000 per unit, subject to catastrophic limit
• Refrigerated Breakdown limit: up to $250,000
• Temperature Control limit: up to $250,000

Additional Motor Truck Cargo coverages

• Earned freight included
• Debris removal included
• Reefer breakdown available (with deductible)
• Temperature control available (with deductible)
• Combined physical damage/cargo deductibles
• Named shipper
• Enhanced coverages

Exclusions and ineligible freight for motor truck cargo insurance

• Livestock/poultry
• Eggs
• Liquor
• Tobacco products
• Fur and fur-trimmed garments
• RVs, cars, boats
• Household goods (moving/storage)
• Bullion/Gold/Silver/Cash/securities
• Fine arts
• Gasoline/oil/propane/pressurized gas
• Explosives/firearms/ammunition