400+
Gave Insurance350+
Satisfied Clients90%
Success Rates
19
States CoveredFast & Reliable Motor Truck Cargo Insurance
Protect Your Freight. Stay Compliant. At Vatic Insurance, we understand how valuable your cargo is—because we work with trucking professionals every day. Our motor truck cargo insurance coverage is built for owner-operators, fleets, and freight brokers who want protection they can trust, fast support, and no hassle. Whether you're moving general freight, temperature-sensitive goods, or specialized equipment, we’ve got you covered—every mile of the way.
What Is Motor Truck Cargo Insurance?
Motor truck cargo insurance, also known as cargo coverage, protects the goods you haul from loss or damage during transport. If the freight you’re carrying is damaged in a collision, stolen, or destroyed due to fire or other events, this coverage pays for the loss and helps keep your business running. It’s not just smart—it’s often required by shippers, brokers, and load boards. Vatic Insurance offers policies that meet commercial truck cargo insurance requirements while being flexible enough to fit your unique operation.
Who Needs Cargo Insurance?
You need motor truck cargo insurance coverage if you:
- Haul freight for-hire under a bill of lading
- Own or operate a single truck or a growing fleet
- Work as an owner-operator, small fleet, or freight broker
- Transport general, refrigerated, or high-value cargo
- Handle local, regional, or interstate deliveries
Why You Need Motor Truck Cargo Insurance Coverage
Things happen on the road—accidents, theft, fire, even refrigeration breakdowns. When your cargo is at risk, your business reputation and income are too. Having the right motor truck cargo insurance coverage gives you:
- Financial protection from covered losses
- Compliance with broker and shipper contracts
- Confidence in handling high-value or perishable goods
- Peace of mind for you and your clients
Why Choose Vatic Insurance for Motor Truck Cargo Insurance?
Instant Certificates
Need to send a COI to a broker or shipper? We deliver in minutes.
Trucking Specialists
We focus exclusively on trucking and logistics—so your coverage is never generic.
Customized Quotes
No generic forms. We match coverage to your routes, cargo, and needs.
Licensed Nationwide
Whether you're operating regionally or across multiple states, we’ve got you covered.
Trusted by Top Insurance Providers in the Nation
We work with the most respected names in insurance to offer you the best coverage options at competitive rates.
Where We Serve
Expanding fast: Don’t see your state? Contact us—we may already be serving your area or can guide you to coverage solutions.
What Affects Your Cargo Insurance Cost?
Your cost is based on multiple factors, including:
- Type and value of the cargo
- Radius of operation and route type
- Driver safety and experience
- Claims history and loss record
- Deductible selected
- Add-ons (e.g., reefer, downtime, rental)
Industries & Freight Types We Cover
As one of the leading motor truck cargo insurance carriers, we insure a wide range of cargo and industries:
General freight
Auto parts and machinery
Electronics and consumer goods
Perishables and refrigerated freight
Food and beverage distribution
Expedited and hotshot freight
