400+
Gave Insurance350+
Satisfied Clients90%
Success Rates
19
States CoveredDrive California Loads with Confidence. Get Covered Today
At Vatic Insurance, we understand how demanding and diverse California's freight landscape can be. From the busy ports of Los Angeles to agricultural hauls through the Central Valley, we provide California motor truck cargo insurance that's designed for real-world trucking operations. Whether you're transporting electronics, farm goods, or high-value loads, our cargo insurance helps protect your business, your cargo, and your clients—every mile of the way.
What Is Motor Truck Cargo Insurance?
Motor truck cargo insurance, also called cargo coverage, protects the freight you carry against damage, theft, fire, or other covered events during transit. In California, where traffic congestion, cargo theft, and wildfire risks are serious concerns, this type of insurance is more than just helpful—it’s essential. Our policies are built to meet the coverage requirements of shippers, brokers, and load boards in California and across the U.S.
Who Needs Cargo Insurance in California?
You need cargo insurance in California if you:
- Haul freight for-hire under a bill of lading
- Operate as an owner-operator or manage a fleet
- Deliver general, refrigerated, or high-value cargo
- Cover routes throughout California or interstate
- Handle contracts that require proof of cargo insurance
Why Choose Vatic Insurance in California?
Instant Certificates
Send certificates of insurance to brokers or shippers within minutes.
Trucking Insurance Experts
We don’t just understand trucking—we specialize in it.
Customized Quotes
Our policies are tailored to your routes, cargo type, and specific California risks.
California Licensed
We’re authorized to provide motor truck cargo insurance across the entire state.
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.
What Affects Your Cargo Insurance Cost in California?
Your rate depends on:
- Type and value of your cargo
- High-risk delivery areas (e.g., Oakland, LA, Fresno)
- Driver records and safety history
- Coverage limits and chosen deductibles
- Add-ons like reefer breakdown, downtime coverage, and more
Industries & Freight We Cover in California
We insure a wide variety of cargo commonly moved throughout California:
General freight & manufactured goods
Food, beverages & perishable items
Electronics and consumer goods
Hotshot and expedited loads
Electronics, auto parts & consumer goods
Final mile and local delivery cargo
