Motor Truck Cargo Insurance

Covering the Goods You Haul

Motor truck cargo insurance protects the value of freight you transport against covered causes of loss during transit—such as collision, overturn, fire, theft, or, with the right endorsement, refrigerated spoilage. Many brokers and shippers around Little Rock, North Little Rock, and Conway expect proof of cargo limits (often $100,000 or higher) before loading. Pair cargo with commercial auto liability for on-road compliance and with physical damage for your tractor & trailer as part of a complete commercial trucking insurance package.

What Cargo Insurance Covers (and Doesn’t)

Typical covered perils include vehicle collisions, overturn, theft, fire, lightning, and certain weather events. Optional endorsements may address reefer breakdown for perishable loads. Policies can exclude or limit high-target items (e.g., pharmaceuticals, electronics), live animals, or losses tied to improper loading/securement. Many forms include short-term terminal coverage—review sub-limits if you stage loads near the Port of Little Rock or along the I-40 distribution corridor.

Who Needs Motor Truck Cargo Insurance?

Any for-hire carrier hauling others’ property needs cargo insurance to meet contracts and protect the business. Owner-operators leased to a motor carrier may be covered under the carrier’s policy; those with their own authority typically must carry their own cargo limits.

Determining the Right Coverage Amount

Match limits to your freight profile and customer requirements: general freight often starts at $100,000 per load, while higher-value commodities may warrant $250,000 or more. Deductibles (commonly $1,000–$2,500) can be adjusted to balance premium and risk. Our team helps Arkansas carriers choose limits that satisfy contracts without overpaying.

Benefits of Carrying Cargo Insurance

Adequate cargo coverage builds trust with shippers, shortens onboarding, and protects relationships after a loss. Carriers serving Central Arkansas lanes—from Cabot to Searcy and Jonesboro—use clean certificates and clear endorsements to keep docks moving.

FAQs About Cargo Coverage

  • Is cargo insurance required by law?

    No federal mandate for carriers, but it’s a near-universal contract requirement.


  • Does cargo insurance cover stolen cargo?

    Theft is typically covered, subject to policy terms and exclusions.


  • Do I need reefer breakdown coverage?

    If you haul perishables, yes—standard cargo often doesn’t cover spoilage from mechanical failure without an endorsement.


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Secure Your Freight — Get Cargo Insurance

Rich Insurance Services sources competitive cargo programs for dry van, reefer, and specialty haulers so your proof of insurance is ready when the dock calls.

Protect My Cargo