Motor Truck Cargo Liability
Damaged Cargo,
Damages More
Than Just 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 depth of experience in working with common carriers, contract carriers, private carriers, specialized carriers and independent truckers is unparalleled. It’s why we’ve developed a policy that offers broad protection, without exclusions for things like, wetness, stolen and missing cargo, or shortages found while taking inventory.
Every trucker knows that things happen on the road you can’t predict. Rather than letting a disabled vehicle leave 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.
Experience has taught us that the chances of goods being damaged during loading and unloading is particularly high.
So of course we cover that as well.
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 units breakdown.
- Optional Contingent Coverage lets you cover goods carried by a subcontractor. Which means you can add business without having to add new vehicles.
- Sometimes an accident damages the truck or terminal but not the goods inside. Recovering that cargo incurs extra expenses. 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 are losing value even if they were undamaged in the accident.
Keeping Your Business Moving Forward
The Hartford has a team of experts who understand your business. Our loss control experts are studying ways to make running one truck or a fleet of trucks safer and more economical.
Our underwriters know how to quote insurance competitively while covering your business thoroughly. And when there’s a claim, a separate team of claims handlers will help to get your trucks back on the street and your business back on its feet after an accident.
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.
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Our Loss Control Team is committed to helping you prevent and control loss exposure.
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Visit The Hartford's Electronic Business Center (EBC) to quote, bind and request policy issuance.
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