Motor Truck Cargo Insurance
Definition. Motor Truck Cargo Insurance covers the value of goods/freight being transported by a commercial vehicle — distinct from On-Hook (which covers vehicles being towed).
Also known as: Cargo Coverage, Trucker's Cargo
Required by FMCSA for interstate motor carriers transporting freight for hire. Standard limits $100K-$500K per truck. Different from cargo-insurance for shipped goods (Inland Marine).
Example
Truck rolls over; $80K of furniture cargo destroyed. Motor Truck Cargo pays the shipper.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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