Zero Gap Motor Truck Cargo Insurance
Freight protection in transit, custody and control for dry van, reefer, flatbed and specialized fleets running three or more power units.
Motor Truck Cargo insurance for trucking fleets in 50 states
Motor Truck Cargo (MTC) covers the value of the goods you transport against loss or damage from covered perils — collision, fire, theft, and more. We help you size limits to your typical loads and add reefer breakdown, refrigerated cargo, or earned freight as needed.
Prestige Trucking Insurance places motor truck cargo coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
The freight is yours to answer for the moment it is loaded
Motor truck cargo covers the goods on your trailer while they are in transit, custody or control. Under a straight bill of lading your fleet carries carrier liability for that freight, and a single high value load can exceed the limit an unspecialized agent quoted you years ago.
The claim rarely turns on the limit alone. It turns on exclusions: unattended vehicle theft, refrigeration breakdown, improper temperature settings, water damage, contamination, and freight left on a drop trailer. We read the form against the commodities you actually haul before you sign a shipper contract.
A cargo limit that satisfies the contract is not the same as one that pays
Brokers check the certificate, not the form. Fleets get bound at the number the contract asks for and discover the exclusion only after a load is lost. Every Prestige cargo placement is reviewed against your commodity list, your drop trailer practices and your temperature protocols before we bind.
855-643-3881Endorsements that decide whether a cargo claim pays
Reefer breakdown and temperature change
Covers perishable loss from unit failure, with the download and maintenance records underwriters will demand at claim time.
Debris removal and cleanup
Pays to clear spilled freight from the roadway, a cost that routinely runs into five figures after a rollover.
Earned freight
Recovers the revenue on a load you can no longer deliver, not just the value of the cargo itself.
Unattended vehicle theft
Removes or narrows the exclusion that voids most drop yard and truck stop theft claims.
Water damage and contamination
Critical for food grade, paper and packaged goods hauls where a wet load is a total loss.
Trailer interchange add on
Extends protection to non owned trailers you pull under a written interchange agreement.
Shipper requirement matrix
| Scenario | Typical cargo limit required | How Prestige keeps you compliant |
|---|---|---|
| General dry van freight | $100,000 | Standard limit with theft and water damage reviewed |
| Refrigerated and food grade | $250,000 | Reefer breakdown plus temperature recorder requirements explained |
| Electronics, pharma, high value | $250,000 to $500,000 | Scheduled higher limits and targeted commodity endorsements |
| Flatbed, steel and machinery | $100,000 to $250,000 | Securement and debris removal wording verified before binding |
Questions motor carriers ask
What is the difference between primary liability and motor truck cargo insurance?
Primary auto liability covers third party bodily injury and property damage caused by your truck, while motor truck cargo covers the freight inside or on your trailer during transit, custody and control.
How much motor truck cargo coverage do shippers require?
Most broker and shipper contracts require $100,000 in motor truck cargo for general freight, $250,000 for refrigerated or food grade loads, and $250,000 to $500,000 for electronics, pharmaceuticals and other high value commodities.
Does motor truck cargo insurance cover reefer breakdown?
Only when a refrigeration breakdown endorsement is added. The base cargo form typically excludes loss caused by mechanical failure of the reefer unit, and most carriers also require documented maintenance and continuous temperature recording.
Protect Your Freight Today
Send your commodity list and your largest shipper contract. We will tell you whether your current cargo form would actually pay.
Fleets of three or more power units across the 50 states we are licensed in.
Motor Truck Cargo coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending motor truck cargo limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs motor truck cargo coverage?
Motor Truck Cargo coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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