The Importance of Motor Truck Cargo Insurance for Truckers
Motor Truck Cargo Insurance is essential for truckers who want to protect themselves against potential losses from damages or loss of cargo. This insurance coverage is…
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Motor Truck Cargo Insurance Perfected
BHI Transport Insurance Co. are leading motor truck cargo providers to the trucking industry in Florida and Georgia with a dedicated trucking insurance team. Protect yourself from loss or damage to anything you are carrying or in custodial care of as a contract hauler. Let us provide total asset coverage for you and your family. Don't risk your future. Drive with confidence and save money with the right truck insurance. Request your free policy audit and new quote.
Motor Truck Cargo: the short answer
Motor truck cargo insurance pays for loss of or damage to the freight you’re hauling for others, for example after a collision, overturn, fire or theft. As a for-hire carrier you can be held responsible for the load in your care, and most brokers and shippers ask to see a cargo certificate before they’ll book you.
What motor truck cargo insurance covers
Accidents
Freight damaged in a collision, overturn or jackknife.
Fire & theft
Cargo lost to fire, or stolen while in your custody, subject to policy conditions.
Loading & unloading
Damage during loading and unloading, when included in your policy.
Debris removal
Cleanup costs after a covered cargo loss, when included.
Who needs motor truck cargo?
- Owner-operators and fleets hauling for-hire freight
- Carriers booking loads through brokers who require a cargo certificate
- Contract haulers with goods in their custody
- Reefer, dry van and flatbed operators (coverage terms vary by commodity)
Every policy is different. Your coverage depends on the exact terms, limits and exclusions in your policy, so BHI’s agents review them with you before you buy. BHI Transport Insurance Co. insures trucking businesses based in Florida and Georgia from its main office in Panama City, FL.
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Questions Truckers Ask
Motor Truck Cargo FAQs
How much cargo coverage do I need?
Enough to cover the value of your most expensive typical load. Many brokers and shippers ask for a specific limit, commonly $100,000, but high-value freight may need more. BHI will help you match the limit to what you haul.
Is every type of freight covered?
Not always. Cargo policies can exclude or limit certain commodities and situations, such as unattended vehicles or spoilage without reefer breakdown coverage. Ask BHI to review the exclusions for your freight.
Do I need cargo insurance if I’m leased to a carrier?
Check your lease. Some carriers cover cargo for leased drivers and some require you to carry your own. BHI can review your lease agreement for free.
Can I get a cargo certificate quickly for a new broker?
Yes. BHI customers can request certificates and documents from their dedicated agent and access policy documents anytime.
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BHI Transport Insurance Co. provide all the Motor Truck Cargo insurance truckers need in FL & GA.
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BHI Transport Insurance Co. bring total asset protection to truckers across Florida and Georgia. The Total Coverage Program is our proprietary system that identifies all of the policies and coverage needed with likely better protection with up to 20% savings.