Cargo insurance for Texas carriers.
The freight in your trailer is not covered by the policy on the trailer. Cargo is its own coverage, with its own limit, and brokers read it before they tender you a load.
- $100K standard limits, higher on request
- Reefer breakdown endorsements
- Hazmat and auto-hauler classes
Motor truck cargo
Where the line falls
Cargo covers freight you are hauling under a bill of lading. Standard limits run $100,000, and reefer, hazmat, auto-hauling, or high-value electronics need endorsements we write into the policy up front instead of after a denied claim. We also review reefer breakdown warranties, which are the single most common cargo coverage gap we find.
The line: the freight is on a bill of lading
This side — Motor truck cargo
The load in the trailer, while it is yours to deliver.
The other side
The trailer itself, and the tractor pulling it, are your own equipment. A different policy answers for those.
Physical damageWhat it answers for
- 01 Freight lost, damaged, or destroyed while you are hauling it
- 02 Refrigerated loads, when the policy carries a reefer breakdown endorsement
- 03 Hazmat, auto-hauling, and high-value classes, when they are endorsed up front
- 04 Debris removal and cargo left exposed after a covered loss
Who asks for it
- 01 Brokers, who commonly will not tender a load under a $100,000 limit
- 02 Shippers who name a cargo limit in the transportation agreement
- 03 Freight networks and load boards that verify limits before dispatch
Questions
- How much cargo coverage do brokers require?
- The common floor is $100,000. High-value freight — electronics, pharmaceuticals, auto-hauling — frequently requires more, and some shippers set their own minimum in the setup packet. Read the broker requirement sheet before you accept the load.
- What is a reefer breakdown endorsement?
- Most cargo policies exclude spoilage from a refrigeration unit failure unless a reefer breakdown endorsement is attached. It typically also requires the unit to have been running continuously and to have a maintenance record. It is the single most common cargo coverage gap we find.
Quote desk
Send it once. We market it to every carrier.
Give us the operation details and your MC or USDOT number. An agent pulls your safety profile, shops the risk across our markets, and comes back with real numbers.
We brought back what you entered last time, on this device only.
Get covered
Tell us what you haul. We will build the policy around it.
(713) 904-4970 · insurance@truckingservice.net