Your cargo is more than just freight — it represents your reputation, your client relationships, and your livelihood. At Insurance Now For Less, our Motor Truck Cargo Insurance is designed to protect the goods you transport from pickup to delivery, so you can haul with confidence every mile of the way.

-Theft and Vandalism
Protects against the loss of cargo due to theft or intentional damage while in transit or at a terminal.

-Accidental Damage
Covers damage to freight caused by collisions, overturns, or sudden braking.

-Fire, Explosion, and Natural Disasters
Safeguards your cargo from unforeseen events like fires, lightning, floods, or severe weather.

-Loading and Unloading
Provides coverage while cargo is being loaded onto or unloaded from your truck.

-Refrigeration Breakdown (Optional)
For temperature-sensitive loads, covers losses from mechanical failure of refrigeration units.

Why It’s Important

Without proper cargo insurance, you could be personally liable for losses that occur during transit, leading to expensive claims and strained client relationships. Cargo insurance gives you and your customers peace of mind, showing that you take safety and reliability seriously.

While Motor Truck Cargo Insurance provides crucial protection for the goods you transport, there are some situations and items that are typically excluded from coverage. Understanding these exclusions helps avoid surprises and ensures you have the right protections in place.

Common Exclusions

-Certain High-Value Items
Money, jewelry, precious metals, securities, or other highly valuable personal items are often not covered.

-Contraband or Illegal Cargo
Any cargo that is illegal or transported in violation of laws and regulations is excluded.

-Inadequately Packaged Goods
Damage to goods resulting from improper or insufficient packaging by the shipper is generally not covered.

-Owner's Negligence
Losses resulting from intentional acts, gross negligence, or dishonesty by the insured or their employees.

-Losses Beyond Policy Limits
Claims that exceed the declared or insured value of the cargo may not be fully covered.

-Wear and Tear or Inherent Vice
Damage caused by the natural characteristics of the cargo itself (e.g., spoilage, rusting, or gradual deterioration) is typically excluded.

-Why These Exclusions Matter

It’s critical to understand exactly what your cargo insurance covers — and what it doesn’t — so you can properly prepare, package, and manage your shipments.

At Insurance Now For Less, we help you navigate these details and, when possible, offer options to add endorsements or supplemental policies to close potential gaps.