Motor Truck Cargo Insurance

Motor Truck Cargo covers the Legal Liability for the property of others that is in the Care, Custody, and Control of the Insured.


Great Flexibility - Fast Quotes - Great Coverage

TCB Insurance Programs is proud to offer one of the broadest and most competitive Motor Truck Cargo Programs in the industry. Our programs include coverage for Household Goods Movers, refrigerated cargo, and much more. If you have a Moving Company, please have your Insurance Agent contact us.

Our Program Highlights Include:

  • Auto, Boat & RV’s
  • Refrigerated Commodities - Includes Reefer Breakdown
  • General Commodities - Very Competitive Rates w/ choice of deductibles
  • High Valued Cargo - Limits to $10,000,000 available
  • Contingent Cargo Coverage
  • Excess Cargo - Annual or Trip Coverage Available
  • New Ventures Welcome
  • Hard to Place Risks - Losses - Driving Records- Tough Classes
  • High Deductible and SIR Programs Available
  • Household Goods Movers
  • We can accommodate risks from 1 to 1000 units!

To get your fast quote for our great Motor Truck Cargo Insurance Coverage, please complete our quick quote sheet, located under the forms tab, and e-mail to Thom Bradshaw at

Motor Truck Cargo – Additional Information

Motor Truck Cargo – Coverage's & Common Endorsements

  • Debris Clean Up
  • Earned Freight Endorsement
  • Unattended Truck Coverage
  • Reefer Breakdown
  • Target Commodities
  • Wet Load

Named Perils Form

Standard Named Peril Policies provide coverage for:

  1. Fire, lightning, or explosion.
  2. Accidental collision of the truck with any other vehicle or object.
  3. Overturning of the truck.
  4. Collapse of bridges or culverts.
  5. Flood (meaning rise of streams or navigable waters).
  6. Cyclone, tornado, hurricane or windstorm.
  7. Theft.
  8. Stranding, collision, burning, grounding or sinking of ferry while truck on board.

Typical Cargo Policies exclude coverage for:
a) Loss or damage to accounts, bills, debts, evidence of debt, letters of credit, passports, documents, railroad or other tickets, notes, money, securities, currency, bullion, precious stones, jewelry and/or other similar valuable articles, paintings, statuary and other works of art, manuscripts, mechanical drawings, live animals, tobacco, cigars, cigarettes, non-ferrous metal in scrap and/or ingot form, furs, garments*, electronics*, alcohol, beer, wine, seafood unless canned.

Loss or damage to Household goods and/or personal effects, when forming part of a domestic removal or office relocation.

b) Loss or damage caused by or resulting from mysterious disappearance, the infidelity, dishonesty, or criminal act of the Insured, his employees, his agents or others to whom the cargo may be entrusted including operators under contract to the Insured, whether or not such act or acts occurred during the regular hours of employment.

c) Loss of cargo due to voluntary acts of Insured, whether or not resulting from a third party’s use of fraudulent documents, forged freight bills, interchange receipts, release orders, or other unauthorized form or unauthorized use of documents.

d) Loss of market, delay, loss of use, clean up costs, or any remote or consequential loss.

e) Loss or damage caused by strikers, locked-out workmen, persons taking part in labor disturbances, riots or civil commotions.

f) Goods or merchandise which are the property of the Insured.

g) Loss or damage caused by or resulting from:

i) War, hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual impending or expected attack by: a) any government or sovereign power (de jure or de facto); b) any authority maintaining or using military, naval, or air forces; or c) an agent of any such government, power, authority or forces.

ii) Any weapon of war employing atomic fission or radioactive force whether in time of peace or war.

iii) Insurrection, rebellion, revolution, civil war, usurped power, or action taken by Government authority in hindering, combating, or defending against such occurrence, seizure, or destruction under any quarantine or Customs regulations, confiscation by order of any government or public authority, or risks of contraband, illegal transportation, or illegal trade.

h) Loss or damage caused by or resulting from nuclear radiation, nuclear reaction, or radioactive contamination whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to, or aggravated by the peril's) insured against in this policy.

i) Loss or damage caused by or resulting from mildew, moth, vermin, insufficiency of insulation or packing, wear, tear, gradual deterioration, or natural loss in weight or volume.

j) Any losses from unattended trucks while in the ordinary course of transit unless:

i) The truck is garaged in a building or parked in a fully enclosed yard which is securely closed and locked, or the truck is under constant surveillance or on a guarded lot AND…

ii) The truck has all the openings closed and securely locked and keys removed, in so far as local regulations permit.

k) Loss or damage to cargo carried without charge by the Insured or as an accommodation on their part.

l) Loss or damage otherwise recoverable hereon unless:

i) The trucks are owned by the Insured or leased pursuant to a written lease by him for his exclusive use, AND providing the trucks are operated exclusively by his own full time salaried employees who have satisfied the employee references condition (General Condition no 4) below.


ii) The trucks are operated by owner operators who are under written lease to the Insured for a period of 30 consecutive days or more.

m) Loss or damage to cargo for which the Insured may be held legally liable while not loaded on a truck.

n) Loss or damage consequent upon or reasonably attributable to the insolvency, bankruptcy, or financial failure of the Insured.

o) Freight charges earned or unearned, other than recoverable under condition no. seven herein.

p) Loss damage or expense of whatever nature which might otherwise be recoverable under this insurance arising out of or in any way connected with, whether directly or indirectly, the use or operation of any computer, computer system, computer software, program or process or any electronic system where any such loss, damage, expense or liability arises, whether directly or indirectly, as a consequence of:

(i) The date change to the year 2000 or any other date change and/or

(ii) Any change or modification of or to any such computer, computer system, computer software, program or process or any electronic system in relation to any such date change.

UNLESS such loss damage or expense is caused by or resulting from:

i) Fire, lightning, or explosion

ii) Accidental collision of the truck with any other vehicle or object

iii) Overturning of the truck

iv) Stranding, collision, burning, rounding or sinking of ferry while truck on board.

Contact TCB

PO BOX 100
Monticello, IN 47960

(P) (574) 583-8661
(F) (866) 763-6576

Scroll to Top