Motor Truck Cargo Insurance

Our motor truck cargo insurance in Florida protects motor carriers and owner-operators from unexpected out-of-pocket expenses from damage to:

• Loss of cargo
• Damage to cargo

If you haul cargo in Florida or any other state, motor truck cargo coverage will protect you from serious liabilities.

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Fleet owners and owner-operators have gaps in their insurance policies that leave them liable for the loss or damage to the cargo they haul. Motor truck cargo insurance fills in these gaps with coverage for cargo that is lost or damaged in:

• Collisions
• Fires
• Explosions
• Load-shifting
• Theft
• Vandalism
• Weather-related damages

For example, if you're involved in an accident or your truck overturns, causing significant damage to your cargo, your insurance will cover these incidents.

What is not covered under this type of policy includes:

• Damages to your own truck or equipment
• Damages caused by the delay of delivery
• Improper packing by the shipper
• Mechanical failure

Read through your policy to understand the exclusions you have. For example, some policies will not cover damages caused by hauling livestock or hazardous materials. If you haul materials that fall under the exclusions section of your policy, our team will help you "fill these gaps."

Note: Florida does not require truckers to have motor truck coverage. While no laws are in place for this type of insurance, many brokers, freight contracts and shippers will require cargo insurance.

Truckers and trucking businesses should do all in their power to limit their risks when hauling goods. If you are in an accident and the cargo you haul is damaged or lost, you're liable for these damages.

Costs can be tens of thousands to hundreds of thousands of dollars for a single accident.

We'll be happy to review your eligibility and provide a quote for motor truck cargo insurance. As a general rule of thumb, the following is true:

• Vehicle types: Buses, ice cream trucks, garbage trucks, limousines and passenger vans are not eligible for this type of insurance.
• Exclusions: Multiple types of cargo are excluded from traditional policies. Some of the types of cargo that are excluded include explosive materials, art, jewelry, cash, live animals, radioactive materials, alcohol, tobacco and pharmaceuticals.

Our experts are ready to discuss your trucking operations with you. We'll review your current policy, ask questions on the type of cargo you haul and determine if you're eligible for cargo insurance.

If you meet all of the eligibility requirements, we'll be happy to provide a quote for your policy.

Choosing an insurance provider is a serious decision. You need an insurer who offers the coverage you need, and when an accident occurs or cargo is lost or damaged, you want them to be by your side after a claim is made.

We recommend that you do your due diligence before selecting an insurer.

• Read reviews: Look at Google reviews of the insurer to see what others have experienced when filing a claim.
• Speak to an agent: Discuss your options with an agent and see if they listen to your coverage needs. Pay attention to the time it takes for the agent to contact you back when making inquiries. Because when you file a claim, you want them to be attentive.
• Request a quote: Does the quote fall within your budget? Will the insurer bundle insurance packages together to save you money?

Your insurer works for you. Be sure that the coverage they offer is comprehensive and that when you file a claim, they'll work to get you back on the road as quickly as possible.

Protect your trucking business with motor truck cargo insurance in Florida.

Call us to learn how we can help you protect your trucking business.