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Motor Truck Cargo Liability

Damaged Cargo, Damages More Than Just Cargo

Every trucker knows that things happen on the road you can’t predict. An accident or an equipment failure can bring your trip to a sudden halt and damage your cargo.

The success of your business rides on every shipment. How quickly you’re able to make good on lost, stolen or damaged goods can make the difference between losing customers or keeping them. That’s where The Hartford’s Motor Truck Cargo Liability Insurance comes in.

Our policy offers common carriers, contract carriers, private carriers, specialized carriers and independent truckers broad protection, without exclusions for things like, wetness, stolen and missing cargo, or shortages found while taking inventory.

When a disabled vehicle leaves you stranded, we’ll extend cargo liability coverage to a temporary replacement vehicle. If you add new vehicles, they’ll be automatically covered for up to 30 days. The same is true for newly acquired terminals. And, we cover damage to goods during loading and unloading. 

Options for the Open Road

The Hartford’s Motor Truck Cargo Liability Insurance gives you the ability to upgrade your coverage with optional protections:

  • If you carry perishable goods or temperature sensitive items, you can cover those goods in the event your truck’s refrigeration or heating unit breaks down.
  • Optional Contingent Coverage offers protection for goods carried by a subcontractor so you can add business without having to add new vehicles.
  • Sometimes an accident damages the truck or terminal, but not the goods inside. Optional Cargo Recovery Extra Expense Insurance can help pay to salvage those undamaged goods.
  • Shippers control of undamaged goods coverage extends your liability coverage to protect goods that lose value even if they were undamaged in an accident.

Keeping Your Business Moving Forward

The Hartford team understands that your business is always on the go. Our loss control experts can help make running one truck or a fleet of trucks safer and more economical.

And when the unpredictable happens, our team of dedicated transportation claims handlers will help to get your truck back on the road as quickly as possible.

This site outlines in general terms the coverages and services that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company or life and accident insurance company subsidiaries of The Hartford Financial Services Group, Inc.

Loss Control Services

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Our Loss Control Team is committed to helping you prevent and control loss exposure.

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Resources for Agents

Visit The Hartford's Electronic Business Center® (EBC®) to access Quote Marine® to quote and bind your smaller inland and ocean risks.

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Learn more about QuoteMarine (PDF)