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What types of risks are covered by motor truck cargo insurance?
What exactly does motor truck cargo insurance cover? Will it cover anything that is on the back of my trailer?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Similar to
comprehensive coverage
, motor truck cargo insurance covers goods and merchandise that is damaged, lost, or destroyed while in transit. The most common perils covered by this policy are:- Fire
- Lightning
- Explosion
- Windstorm
- Collision or overturned auto
- Theft, attempted theft, or malicious damage
There are two main types of cargo insurance: all-risk and named perils.
All-risk is just what it sounds like. It covers all perils except the ones listed as excluded on the policy. For example, loss from negligence and failure to pay would not be covered by insurance.
Named perils is a more limited policy than an all-risk policy. In a named perils policy, cargo is only covered by perils that are listed on the policy. Anything not listed is not covered.
Safe driving!”
View full answer
- Gregory R.
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