Motor Truck Cargo Insurance

Protect the Goods. Deliver with Confidence.

Whether you're just starting out in trucking or have years of experience, you know that insurance isn't just about protecting yourself or your truck—it's also about protecting the cargo you haul. As a professional driver, your mission is to deliver goods safely and keep your clients satisfied. But if freight is stolen, damaged, or lost without the right coverage, you could be left paying the price—and risking your reputation.

That's where Ohio Motor Truck Cargo Insurance comes in. Also known simply as Cargo Insurance, this coverage ensures you're not left carrying the financial burden of lost or damaged freight, allowing you to stay focused on the road ahead.

While Cargo Insurance is a must for most for-hire truckers in Ohio, there are some restrictions:

• Vehicles such as garbage trucks, buses, limousines, passenger vans, and ice cream trucks are generally not eligible.

• Certain types of cargo are excluded, including (but not limited to):

  • Art, jewelry, or money

  • Pharmaceuticals, tobacco, and alcohol

  • Live animals

  • Explosive or radioactive materials

  • Property owned by the insured

  • Property in custody of another carrier

Our specialists can help you determine eligibility and select the right coverage for the type of freight you haul.

Successful deliveries require more than skill—they require protection against the unexpected. Cargo insurance provides compensation if your load is:

• Damaged or destroyed in an accident

• Stolen or hijacked

• Lost or broken during transit

• Scattered in a roadway accident(coverage even includes debris cleanup and pollutant removal)

In addition, Cargo Insurance helps protect against further losses after an incident and can cover legal defense costs if disputes arise.

For long-haul drivers especially, this coverage is essential—it keeps your business moving even when the unexpected happens.

When evaluating providers, consider:

• Response time – How quickly can they help when something goes wrong?

• Coverage accuracy – Avoid being over-insured or under-insured for the loads you carry.

• Risk management – A well-structured policy ensures you don't end up paying out-of-pocket.

Cargo Insurance rates vary depending on the type of goods you haul, which is why working with professionals is key. We'll help you assess your risks, confirm eligibility, and choose a plan that fits your business.

Don't leave your cargo—and your reputation—unprotected. Our Ohio insurance experts are ready to guide you through the process, handle the paperwork, and build a plan that works for your trucking business.

📞 Call us today to secure your Ohio Motor Truck Cargo Insurance and keep your deliveries protected, mile after mile.