Motor truck cargo insurance protects the materials you transport. Get tailored coverage with a cargo insurance quote from Progressive Commercial.
Motor truck cargo insurance protects the freight you haul — here's what it covers, what federal law requires, and how claims work. Motor truck cargo insurance covers freight that a trucking company or owner-operator is hauling when that freight is damaged, destroyed, or stolen during transport.
Cargo insurance, also known as motor truck cargo insurance and freight insurance, provides coverage for potential damage to the property of others while in transit or during loading or unloading. This coverage provides protection for accidents like collision, load strikes, fires and more.
Learn what motor truck cargo (MTC) insurance covers, what it excludes, typical limits, state/shipper requirements, cost by cargo type, and how to file a claim. Updated for 2026 with add-ons and a provider comparison checklist.
Motor Truck Cargo (Motor Truck Cargo Insurance): 2026 Guide to Coverage ...
Compare the best motor truck cargo insurance companies. See ratings and reviews for top companies such as Progressive, OOIDA, The Hartford, and more.
That’s where Commercial Cargo Insurance, also known as Motor Truck Cargo protection, comes into play. This specialized insurance is designed to protect the cargo you’re hauling against unexpected events like theft, fire, and collision.
Motor truck cargo insurance, also called commercial freight insurance or cargo truck insurance, is specifically designed for businesses in the trucking and transportation industries. It's a type of inland marine insurance that covers your cargo during loading, unloading, and transit.
Motor truck cargo insurance protects against physical loss or damage to cargo while it’s in a for-hire trucker’s care, custody, or control. Put simply, if freight is damaged, stolen, or destroyed in transit, MTC pays the claim so the trucker doesn’t have to cover it out of pocket.