Cargo Liability Insurance

24/7 Instant Quoting Access & Submission Binding in Hours

This insurance covers the liability of the Owner Operator/Motor Carrier for direct physical loss or damage to the covered freight/commodities while it is in transit.


Our online Rating System provides instant rate indications for Motor Truck Cargo coverage for Local, Intermediate and Long Haul trucking operations. All of our insurance carriers are rated “A" or better by A.M. best. Our competitive rates cover most trucking operations, including dry van, refrigerated, flatbed, auto haulers, intermodal/containerized freight, bulk, household goods movers and livestock haulers.

Features include:

  • Access to Underwriting Guidelines for all Carriers       
  • Document Manager:  Upload all documents to the Rater
  • Request Coverage Online
  • Automated Finance Agreement Option

Coverage (carrier specific):

  • Programs Available in All States
  • Limits up to $250,000 (Requests for higher limits must be submitted to Underwriting.)
  • Deductible Options: $1,000/$1,500/$2,000/$2,500/$5,000
  • Earned Freight
  • Debris Removal
  • Pollutant Clean Up and Removal
  • Diminishing Deductible for Loss Free Experience

Additional Coverage Available (carrier specific):

  • Contingent Cargo/Freight Broker
  • Scheduled/Unscheduled Terminal
  • Tarpaulin Clause

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*to access online rating sites agents must be appointed by AUI